Lewiston, NY · Charter 14699
Q1 2010
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 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.37% | -0.36% | -0.69% | 0.54% | 0.34% | 0.12% | -0.99% | -1.19% | -172 bps | |
| Return on Equity | -1.79% | -1.71% | -3.35% | 2.58% | 1.67% | 0.57% | -5.05% | -6.03% | -861 bps | |
| Net Interest Margin | 2.43% | 2.33% | 2.27% | 2.85% | 2.57% | 2.45% | 2.31% | 1.57% | -127 bps | |
| Efficiency Ratio | 106.18% | 108.88% | 110.81% | 81.36% | 86.85% | 95.26% | 108.43% | 174.25% | +9,290 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.15% | 3.37% | 8.55% | 0.68% | -0.17% | 0.61% | -1.00% | -0.68% | -136 bps | |
| Loan Growth (YoY) | -11.46% | -17.28% | -22.33% | -22.26% | -21.69% | -25.47% | -27.17% | -29.42% | -716 bps | |
| Share Growth (YoY) | 0.22% | 4.70% | 12.12% | 1.43% | 0.33% | 1.25% | -0.14% | 0.72% | -71 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.46% | 1.48% | 0.57% | 0.53% | 2.24% | 3.94% | 4.86% | 4.66% | +413 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 | 0.18% | 0.19% | 0.21% | 0.24% | 0.26% | 0.29% | 0.76% | 0.89% | +65 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.93% | 21.06% | 20.49% | 20.89% | 20.57% | 20.61% | 19.70% | 19.66% | -122 bps | |
| Net Worth / Assets | 20.93% | 21.06% | 20.49% | 20.89% | 20.57% | 20.61% | 19.70% | 19.66% | -122 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.38% | 55.62% | 51.39% | 47.22% | 44.79% | 40.94% | 37.48% | 33.09% | -1,413 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |