Cheektowaga, NY · Charter 11829
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 | -0.68% | -0.53% | -0.27% | -0.34% | -0.13% | -0.22% | -0.47% | -3.67% | -334 bps | |
| Return on Equity | -4.01% | -3.89% | -2.05% | -2.24% | -0.90% | -1.69% | -3.80% | -30.04% | -2,780 bps | |
| Net Interest Margin | 5.62% | 3.93% | 3.92% | 4.44% | 3.79% | 3.35% | 3.05% | 3.59% | -85 bps | |
| Efficiency Ratio | 111.30% | 112.97% | 106.63% | 107.26% | 103.24% | 106.26% | 114.61% | 150.39% | +4,312 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -18.00% | 2.07% | 18.48% | -0.48% | 14.69% | 2.29% | 3.15% | -4.96% | -448 bps | |
| Loan Growth (YoY) | -0.11% | 3.99% | -10.89% | -16.81% | -12.47% | -17.41% | -24.13% | -36.00% | -1,919 bps | |
| Share Growth (YoY) | -19.21% | 4.44% | 24.22% | 1.13% | 18.57% | 2.86% | 4.26% | -1.46% | -260 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.02% | 0.35% | 1.40% | 2.78% | 3.92% | 5.56% | 6.03% | 7.81% | +504 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 | 3.60% | 2.38% | 2.25% | 2.29% | 2.29% | 2.61% | 2.97% | 3.16% | +88 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.94% | 13.70% | 13.25% | 15.12% | 14.41% | 13.24% | 12.40% | 12.23% | -289 bps | |
| Net Worth / Assets | 16.94% | 13.70% | 13.25% | 15.12% | 14.41% | 13.24% | 12.40% | 12.23% | -289 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.81% | 42.53% | 38.91% | 45.06% | 42.68% | 34.15% | 28.32% | 29.26% | -1,580 bps | |
| Liquid Assets / Assets | 52.88% | 63.52% | 52.81% | 61.87% | 56.18% | 70.42% | 75.06% | 74.15% | +1,228 bps | |