Rochester, NY · Charter 14627
Q4 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 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.21% | -0.78% | 0.74% | 0.46% | 0.94% | 1.19% | 0.72% | -10.50% | -1,097 bps | |
| Return on Equity | 2.10% | -8.89% | 8.64% | 5.50% | 11.21% | 14.77% | 6.52% | -103.76% | -10,925 bps | |
| Net Interest Margin | 4.61% | 4.17% | 3.95% | 3.98% | 3.94% | 3.74% | 6.06% | 4.75% | +77 bps | |
| Efficiency Ratio | 91.43% | 100.71% | 73.58% | 81.20% | 77.73% | 70.15% | 89.58% | 198.27% | +11,707 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.18% | -3.61% | 0.61% | 5.77% | 16.86% | 20.64% | -3.94% | -16.04% | -2,181 bps | |
| Loan Growth (YoY) | -9.55% | -2.10% | 2.11% | 8.18% | 9.79% | 5.20% | -17.77% | -23.40% | -3,158 bps | |
| Share Growth (YoY) | -6.74% | -5.15% | -0.49% | 7.59% | 19.95% | 22.99% | -6.54% | -22.03% | -2,963 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.02% | 2.33% | 0.88% | 0.58% | 0.61% | 2.93% | 2.97% | 5.58% | +500 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 | 0.16% | 0.84% | 0.76% | 0.81% | 0.91% | 0.92% | 1.19% | 8.30% | +750 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.91% | 8.78% | 8.54% | 8.40% | 8.37% | 8.05% | 11.00% | 10.12% | +173 bps | |
| Net Worth / Assets | 9.91% | 8.78% | 8.54% | 8.40% | 8.37% | 8.05% | 11.00% | 10.12% | +173 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.36% | 97.28% | 91.10% | 91.04% | 89.11% | 83.21% | 80.16% | 89.45% | -160 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |