Tonawanda, NY · Charter 12743
Q3 2009
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 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.13% | -0.49% | 0.07% | 0.25% | 0.27% | -2.89% | 0.47% | -0.25% | -50 bps | |
| Return on Equity | -1.22% | -4.98% | 0.72% | 2.65% | 3.07% | -35.92% | 5.64% | -2.97% | -562 bps | |
| Net Interest Margin | 3.81% | 3.15% | 3.13% | 3.15% | 2.98% | 3.33% | 3.15% | 3.26% | +11 bps | |
| Efficiency Ratio | 84.37% | 88.45% | 85.26% | 80.76% | 82.00% | 80.46% | 89.93% | 96.46% | +1,569 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.96% | 8.66% | 9.36% | 13.75% | 28.39% | 16.11% | 21.35% | 12.92% | -83 bps | |
| Loan Growth (YoY) | 11.65% | -0.84% | -8.71% | -19.78% | -22.58% | -15.17% | -9.32% | 2.90% | +2,268 bps | |
| Share Growth (YoY) | 9.64% | 10.00% | 11.01% | 15.57% | 31.43% | 18.18% | 23.08% | 14.96% | -61 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.17% | 1.34% | 1.51% | 1.21% | 1.44% | 1.23% | 1.54% | 1.67% | +46 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 | 1.26% | 1.42% | 1.31% | 1.46% | 1.75% | 1.50% | 1.26% | 1.09% | -38 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.85% | 9.76% | 9.66% | 9.51% | 8.72% | 8.05% | 8.42% | 8.33% | -118 bps | |
| Net Worth / Assets | 10.85% | 9.76% | 9.66% | 9.51% | 8.72% | 8.05% | 8.42% | 8.33% | -118 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.77% | 75.93% | 70.44% | 62.50% | 52.29% | 54.50% | 51.90% | 55.94% | -656 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |