Buffalo, NY · Charter 1132
Q3 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.42% | -3.72% | -3.27% | -2.93% | -1.68% | -2.93% | -1.76% | -1.63% | +130 bps | |
| Return on Equity | -2.21% | -20.24% | -18.27% | -16.60% | -8.42% | -14.50% | -8.85% | -8.10% | +850 bps | |
| Net Interest Margin | 3.03% | 2.59% | 2.85% | 2.98% | 4.21% | 5.48% | 3.56% | 3.98% | +101 bps | |
| Efficiency Ratio | 119.79% | 242% | 213% | 197.21% | 150.74% | 217% | 142.14% | 128.33% | -6,888 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.95% | -8.73% | -8.49% | -10.55% | -11.98% | -14.91% | -13.58% | -14.47% | -391 bps | |
| Loan Growth (YoY) | -6.95% | 12.68% | 28.70% | 64.95% | 73.09% | 54.76% | 43.29% | 24.68% | -4,027 bps | |
| Share Growth (YoY) | -6.94% | -9.17% | -8.21% | -10.26% | -13.07% | -16.92% | -15.79% | -17.03% | -676 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.64% | 0.87% | 1.83% | 1.41% | 1.10% | 1.95% | 1.75% | 1.45% | +4 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 | 2.00% | 2.15% | 1.93% | 1.52% | 0.55% | 0.44% | 0.62% | 1.10% | -42 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.01% | 18.39% | 17.87% | 17.65% | 19.92% | 20.21% | 19.94% | 20.15% | +250 bps | |
| Net Worth / Assets | 19.01% | 18.39% | 17.87% | 17.65% | 19.92% | 20.21% | 19.94% | 20.15% | +250 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.64% | 37.67% | 42.44% | 55.49% | 66.99% | 70.18% | 72.22% | 83.39% | +2,789 bps | |
| Liquid Assets / Assets | 48.11% | 44.70% | 32.31% | 36.35% | 29.23% | 21.41% | 0.00% | 0.00% | -3,635 bps | |