Buffalo, NY · Charter 14424
Q1 2006
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 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.52% | 0.04% | 0.77% | 0.27% | 1.10% | 0.59% | 0.16% | 0.05% | -21 bps | |
| Return on Equity | 7.62% | 0.52% | 9.94% | 3.48% | 13.24% | 6.88% | 1.82% | 0.57% | -290 bps | |
| Net Interest Margin | 2.38% | 2.32% | 2.28% | 2.41% | 2.75% | 2.78% | 2.69% | 1.84% | -57 bps | |
| Efficiency Ratio | 200% | 185.10% | 110.49% | 92.39% | 101.00% | 106.23% | 115.37% | 97.06% | +467 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.40% | -2.02% | -8.97% | -3.65% | -5.32% | -3.36% | -9.61% | -17.94% | -1,429 bps | |
| Loan Growth (YoY) | 21.46% | -22.91% | -26.67% | 15.48% | -21.14% | -26.89% | -49.17% | -78.10% | -9,358 bps | |
| Share Growth (YoY) | 8.57% | -1.78% | -10.67% | -5.21% | -6.80% | -4.90% | -10.47% | -19.33% | -1,413 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.78% | 2.86% | 6.79% | 5.75% | 0.00% | 5.50% | 4.28% | 0.00% | -575 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 | 5.04% | 6.73% | 6.93% | 4.70% | 2.92% | 4.22% | 6.24% | 11.42% | +671 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.89% | 7.08% | 7.80% | 7.66% | 8.32% | 8.54% | 8.78% | 9.44% | +178 bps | |
| Net Worth / Assets | 6.89% | 7.08% | 7.80% | 7.66% | 8.32% | 8.54% | 8.78% | 9.44% | +178 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 21.17% | 16.93% | 16.57% | 23.79% | 17.91% | 13.01% | 9.41% | 6.46% | -1,733 bps | |
| Liquid Assets / Assets | 77.13% | 81.24% | 80.71% | 74.11% | 79.03% | 83.90% | 87.71% | 90.79% | +1,668 bps | |