Elmira, NY · Charter 970
Q4 2003
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 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.19% | 0.33% | 0.31% | 0.28% | 0.06% | 0.07% | 0.05% | -0.80% | -108 bps | |
| Return on Equity | 1.55% | 2.81% | 2.70% | 2.43% | 0.52% | 0.65% | 0.50% | -7.54% | -997 bps | |
| Net Interest Margin | 5.56% | 4.95% | 4.92% | 4.86% | 4.94% | 4.74% | 4.76% | 4.88% | +1 bps | |
| Efficiency Ratio | 96.82% | 94.16% | 94.37% | 94.91% | 98.88% | 98.63% | 98.94% | 114.94% | +2,003 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.47% | 12.57% | 17.08% | 13.94% | 11.03% | 10.30% | 7.38% | 0.69% | -1,325 bps | |
| Loan Growth (YoY) | -4.48% | -5.32% | 4.84% | 4.30% | 3.20% | 1.87% | -6.73% | -9.81% | -1,411 bps | |
| Share Growth (YoY) | 9.25% | 14.02% | 18.72% | 15.48% | 12.00% | 11.54% | 8.29% | 1.64% | -1,384 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.38% | 0.29% | 0.00% | 0.96% | 1.00% | +62 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 | 0.30% | 0.35% | 0.35% | 0.35% | 0.36% | 0.36% | 0.38% | 0.39% | +4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.41% | 11.88% | 11.67% | 11.44% | 11.47% | 10.92% | 10.96% | 10.57% | -88 bps | |
| Net Worth / Assets | 12.41% | 11.88% | 11.67% | 11.44% | 11.47% | 10.92% | 10.96% | 10.57% | -88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.99% | 86.77% | 87.51% | 85.09% | 82.92% | 79.25% | 75.37% | 75.50% | -959 bps | |
| Liquid Assets / Assets | 19.34% | 21.62% | 20.89% | 22.84% | 24.69% | 27.21% | 30.59% | 30.07% | +723 bps | |