N. Tonawanda, NY · Charter 11218
Q2 2007
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 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.50% | 0.53% | 0.38% | 0.39% | 0.42% | 0.39% | 1.22% | 0.96% | +57 bps | |
| Return on Equity | 3.94% | 4.15% | 3.05% | 3.06% | 3.27% | 3.01% | 9.18% | 7.22% | +415 bps | |
| Net Interest Margin | 3.95% | 3.97% | 3.63% | 3.85% | 3.83% | 3.83% | 4.51% | 4.16% | +32 bps | |
| Efficiency Ratio | 87.99% | 87.24% | 90.12% | 90.03% | 89.29% | 89.05% | 74.19% | 78.05% | -1,198 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.92% | -9.67% | 0.49% | -0.77% | 1.34% | 1.18% | -2.91% | 0.75% | +152 bps | |
| Loan Growth (YoY) | -7.80% | -9.66% | -5.00% | 2.48% | 0.25% | 0.63% | 0.32% | -1.67% | -415 bps | |
| Share Growth (YoY) | -13.84% | -11.47% | -0.01% | -1.47% | 1.04% | 0.84% | -3.96% | -0.05% | +142 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.72% | 3.27% | 0.52% | 1.28% | 2.76% | 4.78% | 5.45% | 5.54% | +426 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 | 0.65% | 0.66% | 0.66% | 0.67% | 0.68% | 0.56% | 0.61% | 0.64% | -3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.59% | 12.76% | 12.35% | 12.73% | 12.89% | 13.00% | 13.32% | 13.31% | +58 bps | |
| Net Worth / Assets | 12.59% | 12.76% | 12.35% | 12.73% | 12.89% | 13.00% | 13.32% | 13.31% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.12% | 86.20% | 82.69% | 87.11% | 87.42% | 86.02% | 86.38% | 85.70% | -142 bps | |
| Liquid Assets / Assets | 20.67% | 22.40% | 25.28% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |