Buffalo, NY · Charter 10722
Q2 1999
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 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.04% | 3.37% | 3.52% | 2.40% | 3.26% | 2.92% | 3.49% | 3.17% | +77 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | -3.76% | 0.67% | 3.32% | -6.96% | -7.76% | -9.63% | -18.89% | -2,221 bps | |
| Loan Growth (YoY) | n/a | -12.18% | -28.53% | -29.45% | -16.93% | -0.55% | -5.79% | -24.46% | +499 bps | |
| Share Growth (YoY) | n/a | -4.92% | -1.07% | 1.55% | -9.85% | -10.28% | -12.54% | -22.46% | -2,401 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.31% | 5.13% | 1.89% | 3.42% | 6.45% | 7.90% | 6.88% | 4.24% | +81 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 | 4.43% | 5.00% | 2.41% | 3.06% | 4.23% | 4.90% | 3.77% | 0.00% | -306 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.33% | 37.32% | 38.32% | 35.89% | 42.69% | 41.37% | 41.28% | 34.96% | -92 bps | |
| Liquid Assets / Assets | 50.97% | 32.11% | 29.44% | 32.81% | 28.47% | 39.53% | 23.74% | 66.54% | +3,374 bps | |