Kenmore, NY · Charter 12824
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 30, 2011, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Kenmore, NY · Charter 12824
Q2 2011
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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.06% | -0.39% | -0.67% | -0.91% | -0.06% | -0.89% | -0.48% | -1.37% | -46 bps | |
| Return on Equity | -22.19% | -2.91% | -5.24% | -7.06% | -0.45% | -7.45% | -4.31% | -13.13% | -607 bps | |
| Net Interest Margin | 3.73% | 3.38% | 3.30% | 3.41% | 3.11% | 3.05% | 2.67% | 2.64% | -77 bps | |
| Efficiency Ratio | 97.68% | 80.82% | 96.06% | 108.01% | 101.72% | 125.63% | 117.66% | 150.46% | +4,245 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.15% | 9.14% | 12.87% | 12.09% | 7.90% | 2.23% | 2.46% | 6.94% | -515 bps | |
| Loan Growth (YoY) | -2.03% | -3.94% | -0.36% | -1.65% | -0.16% | 0.19% | -6.20% | -9.61% | -797 bps | |
| Share Growth (YoY) | 6.21% | 10.81% | 16.36% | 15.57% | 10.29% | 4.45% | 4.77% | 10.18% | -539 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 1.26% | 0.57% | 0.37% | 0.37% | 0.67% | -59 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 | 0.63% | 0.64% | 0.58% | 0.60% | 0.64% | 0.63% | 0.59% | 0.64% | +4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.78% | 13.57% | 12.81% | 12.87% | 12.58% | 11.91% | 11.07% | 10.41% | -245 bps | |
| Net Worth / Assets | 13.78% | 13.57% | 12.81% | 12.87% | 12.58% | 11.91% | 11.07% | 10.41% | -245 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.31% | 52.47% | 55.30% | 54.83% | 50.07% | 50.33% | 49.50% | 44.98% | -985 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |