Jamestown, NY · Charter 8163
Q2 2008
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 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.85% | -4.11% | -0.62% | 0.97% | 1.26% | -5.56% | 1.67% | -1.65% | -261 bps | |
| Return on Equity | -49.02% | -42.01% | -6.81% | 10.12% | 12.89% | -86.78% | 12.44% | -13.58% | -2,370 bps | |
| Net Interest Margin | 7.57% | 7.44% | 6.35% | 6.74% | 6.54% | 8.67% | 7.37% | 6.78% | +4 bps | |
| Efficiency Ratio | 75.50% | 85.81% | 109.67% | 85.90% | 81.10% | 83.33% | 77.98% | 123.84% | +3,794 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.07% | -9.48% | -3.83% | -3.45% | 7.51% | -18.19% | -14.27% | -16.20% | -1,275 bps | |
| Loan Growth (YoY) | -24.11% | -14.38% | -13.72% | 1.03% | 18.81% | -17.57% | -27.80% | -43.06% | -4,409 bps | |
| Share Growth (YoY) | -10.20% | -6.64% | -0.51% | 0.69% | 7.36% | -14.72% | -17.68% | -18.43% | -1,912 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 14.47% | 11.59% | 11.19% | 17.14% | 10.96% | 2.65% | 9.03% | 1.95% | -1,519 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 | 2.89% | 2.53% | 2.67% | 2.97% | 3.47% | 22.78% | 13.32% | 16.34% | +1,337 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.89% | 9.78% | 9.15% | 9.56% | 9.81% | 6.40% | 13.39% | 12.13% | +257 bps | |
| Net Worth / Assets | 9.89% | 9.78% | 9.15% | 9.56% | 9.81% | 6.40% | 13.39% | 12.13% | +257 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.87% | 86.43% | 79.34% | 79.82% | 77.31% | 83.54% | 69.59% | 55.72% | -2,410 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |