Rome, NY · Charter 7539
Q1 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.46% | 0.51% | 0.61% | 0.24% | -0.70% | -0.07% | 0.28% | -0.13% | -37 bps | |
| Return on Equity | 4.11% | 4.31% | 4.99% | 2.08% | -6.17% | -0.53% | 2.05% | -0.91% | -299 bps | |
| Net Interest Margin | 3.82% | 4.04% | 4.19% | 3.77% | 3.80% | 4.42% | 4.62% | 3.65% | -12 bps | |
| Efficiency Ratio | 89.46% | 86.35% | 83.09% | 92.42% | 89.44% | 85.55% | 86.22% | 115.70% | +2,329 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.16% | 15.27% | 1.91% | -1.49% | -1.86% | -9.32% | -9.60% | -14.88% | -1,340 bps | |
| Loan Growth (YoY) | -3.88% | -8.94% | -12.10% | -10.73% | -9.32% | -1.23% | 0.42% | -0.59% | +1,014 bps | |
| Share Growth (YoY) | 20.95% | 16.70% | 1.47% | -2.04% | -2.02% | -10.73% | -11.22% | -16.98% | -1,494 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.03% | 1.58% | 3.99% | 3.27% | 3.21% | 2.25% | 1.99% | 1.99% | -128 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 | 0.11% | 0.07% | 0.15% | 0.20% | 1.00% | 1.03% | 0.63% | 0.49% | +29 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.07% | 11.73% | 12.31% | 11.57% | 11.28% | 13.12% | 13.90% | 13.78% | +220 bps | |
| Net Worth / Assets | 11.07% | 11.73% | 12.31% | 11.57% | 11.28% | 13.12% | 13.90% | 13.78% | +220 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.70% | 63.54% | 61.91% | 55.00% | 58.03% | 70.29% | 70.02% | 65.86% | +1,086 bps | |
| Liquid Assets / Assets | 31.01% | 28.43% | 31.78% | 39.02% | 32.64% | 23.54% | 23.72% | 26.54% | -1,248 bps | |