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Flower City

Rochester, NY · Charter 14627

Q4 2011

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2011, the quarter ended December 31, 2011, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Flower City

Rochester, NY · Charter 14627

Q4 2011

$3.7MAssets
$2.8MLoans
$3.1MShares
$374KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -10.50%, down 1,097 bps year over year; NIM at 4.75%.
  • Asset quality: problem loans at 5.58% of loans (+500 bps YoY).
  • Capital: net worth / assets of 10.12%, up 173 bps from a year ago.
  • Funding: loans stand at 89.45% of shares as of Q4 2011.

Financial Results

Return on Assets (YTD, annualized)

-10.50%-1,097 bps YoY

Net Interest Margin (YTD, annualized)

4.75%+77 bps YoY

Efficiency Ratio (YTD, annualized)

198.27%+11,707 bps YoY

Net Worth / Assets

10.12%+173 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2010Q1 2011Q2 2011Q3 2011Q4 2011YoY ΔTrend
Earnings
Return on Assets0.46%0.94%1.19%0.72%-10.50%-1,097 bps
Return on Equity5.50%11.21%14.77%6.52%-103.76%-10,925 bps
Net Interest Margin3.98%3.94%3.74%6.06%4.75%+77 bps
Efficiency Ratio81.20%77.73%70.15%89.58%198.27%+11,707 bps
Growth
Asset Growth (YoY)5.77%16.86%20.64%-3.94%-16.04%-2,181 bps
Loan Growth (YoY)8.18%9.79%5.20%-17.77%-23.40%-3,158 bps
Share Growth (YoY)7.59%19.95%22.99%-6.54%-22.03%-2,963 bps
Asset Quality
Delinquent Loans / Loans0.58%0.61%2.93%2.97%5.58%+500 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.81%0.91%0.92%1.19%8.30%+750 bps
Capital
Risk-Based Capital8.40%8.37%8.05%11.00%10.12%+173 bps
Net Worth / Assets8.40%8.37%8.05%11.00%10.12%+173 bps
Liquidity & Funding
Loans / Shares91.04%89.11%83.21%80.16%89.45%-160 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps