Canandaigua, NY · Charter 7496
Q1 2009
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.43% | 0.30% | 0.10% | -0.17% | -0.46% | -0.51% | -4.90% | -0.47% | -30 bps | |
| Return on Equity | 2.98% | 1.99% | 0.67% | -1.19% | -3.35% | -3.53% | -49.62% | -4.97% | -378 bps | |
| Net Interest Margin | 3.95% | 3.96% | 3.86% | 3.79% | 3.66% | 3.80% | 3.68% | 3.17% | -63 bps | |
| Efficiency Ratio | 96.61% | 97.71% | 100.73% | 111.12% | 114.53% | 118.82% | 218% | 112.67% | +155 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.34% | 0.96% | 1.90% | 1.18% | 3.11% | -0.30% | -2.02% | -0.55% | -174 bps | |
| Loan Growth (YoY) | -0.35% | -5.79% | -4.41% | -9.80% | -14.31% | -16.28% | -13.51% | -13.05% | -325 bps | |
| Share Growth (YoY) | 2.33% | 1.73% | 1.54% | 1.27% | 4.98% | 0.43% | 4.06% | 7.05% | +578 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.20% | 2.71% | 2.52% | 1.51% | 2.85% | 1.51% | 1.24% | 1.68% | +17 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.99% | 1.05% | 1.13% | 1.10% | 1.20% | 1.00% | 1.04% | 0.95% | -15 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.57% | 14.95% | 14.48% | 14.28% | 13.78% | 14.49% | 9.88% | 9.51% | -477 bps | |
| Net Worth / Assets | 14.57% | 14.95% | 14.48% | 14.28% | 13.78% | 14.49% | 9.88% | 9.51% | -477 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.72% | 76.86% | 73.07% | 68.93% | 63.44% | 64.07% | 60.74% | 55.99% | -1,294 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |