Ithaca, NY · Charter 8971
Q3 2010
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 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.46% | -2.81% | -1.59% | 0.68% | 0.37% | -0.19% | -0.54% | -1.36% | -204 bps | |
| Return on Equity | -26.50% | -31.12% | -17.93% | 6.78% | 3.82% | -2.02% | -6.07% | -17.48% | -2,426 bps | |
| Net Interest Margin | 4.00% | 4.29% | 4.76% | 4.76% | 4.66% | 4.64% | 3.63% | 3.47% | -129 bps | |
| Efficiency Ratio | 89.08% | 89.61% | 80.47% | 67.91% | 74.07% | 87.36% | 114.06% | 124.94% | +5,703 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.11% | 2.11% | -8.03% | -14.97% | -12.35% | -7.47% | 1.17% | 7.33% | +2,230 bps | |
| Loan Growth (YoY) | 1.00% | 1.09% | -4.30% | 0.62% | -6.41% | 0.42% | 0.15% | 8.15% | +753 bps | |
| Share Growth (YoY) | 10.54% | 6.65% | -5.66% | -16.06% | -13.73% | -8.69% | 1.10% | 11.06% | +2,712 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.16% | 4.88% | 7.47% | 10.19% | 10.17% | 6.78% | 6.79% | 4.50% | -569 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 | 2.27% | 3.32% | 3.59% | 3.04% | 2.75% | 1.96% | 2.06% | 1.46% | -158 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.27% | 9.04% | 8.89% | 9.97% | 9.78% | 9.58% | 8.87% | 7.78% | -219 bps | |
| Net Worth / Assets | 9.27% | 9.04% | 8.89% | 9.97% | 9.78% | 9.58% | 8.87% | 7.78% | -219 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.09% | 65.10% | 62.48% | 68.35% | 68.45% | 71.59% | 61.89% | 66.56% | -179 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |