Grand Island, NY · Charter 13475
Q4 2013
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 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.41% | 0.04% | 0.03% | 0.22% | -0.93% | -0.45% | -1.18% | -1.00% | -122 bps | |
| Return on Equity | -5.32% | 0.56% | 0.46% | 3.02% | -13.89% | -6.48% | -17.81% | -14.39% | -1,741 bps | |
| Net Interest Margin | 1.92% | 2.35% | 2.51% | 2.69% | 3.30% | 3.26% | 3.53% | 3.82% | +112 bps | |
| Efficiency Ratio | 120.43% | 97.96% | 97.38% | 89.92% | 74.59% | 79.23% | 78.57% | 85.67% | -425 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.78% | 21.89% | 32.26% | 23.38% | 14.78% | 6.33% | -3.18% | -10.88% | -3,426 bps | |
| Loan Growth (YoY) | 64.24% | 93.31% | 98.60% | 96.41% | 78.52% | 44.28% | 29.43% | 8.30% | -8,811 bps | |
| Share Growth (YoY) | 26.01% | 24.71% | 35.78% | 25.28% | 15.93% | 6.87% | -2.71% | -10.73% | -3,600 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.68% | 3.07% | 2.92% | 4.15% | 2.36% | 0.89% | 1.63% | 6.73% | +258 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 | 0.06% | 0.10% | 0.14% | 0.19% | 0.59% | 0.13% | 1.45% | 0.63% | +43 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.63% | 7.46% | 7.05% | 7.12% | 6.72% | 6.99% | 6.60% | 6.98% | -14 bps | |
| Net Worth / Assets | 7.63% | 7.46% | 7.05% | 7.12% | 6.72% | 6.99% | 6.60% | 6.98% | -14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.61% | 51.14% | 55.06% | 61.12% | 64.07% | 69.03% | 73.25% | 74.15% | +1,303 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |