West Seneca, NY · Charter 14959
Q4 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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.07% | -0.21% | 0.06% | 0.10% | 0.26% | 0.53% | 0.52% | -0.56% | -66 bps | |
| Return on Equity | -0.48% | -1.59% | 0.40% | 0.66% | 1.80% | 3.62% | 3.40% | -3.88% | -454 bps | |
| Net Interest Margin | 3.35% | 3.29% | 3.67% | 3.79% | 3.96% | 4.00% | 4.30% | 4.37% | +58 bps | |
| Efficiency Ratio | 98.27% | 99.87% | 93.51% | 92.98% | 88.12% | 85.24% | 87.15% | 108.29% | +1,531 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.31% | -1.97% | -2.40% | -5.24% | -4.52% | -7.52% | -5.48% | -2.81% | +243 bps | |
| Loan Growth (YoY) | -10.36% | -3.33% | -5.40% | -3.56% | -3.00% | -3.33% | -2.50% | -5.97% | -241 bps | |
| Share Growth (YoY) | 0.22% | -2.24% | -2.91% | -6.21% | -5.51% | -8.87% | -6.92% | -2.82% | +338 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.54% | 0.77% | 0.60% | 0.72% | 0.46% | 0.56% | 0.50% | 0.00% | -72 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 | 0.40% | 0.57% | 0.51% | 0.60% | 0.81% | 0.82% | 0.79% | 0.62% | +2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.63% | 12.97% | 14.14% | 14.69% | 14.45% | 14.49% | 15.41% | 14.55% | -14 bps | |
| Net Worth / Assets | 13.63% | 12.97% | 14.14% | 14.69% | 14.45% | 14.49% | 15.41% | 14.55% | -14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.52% | 48.50% | 51.39% | 52.92% | 48.78% | 51.45% | 53.83% | 51.20% | -171 bps | |
| Liquid Assets / Assets | 35.13% | 33.83% | 30.76% | 31.43% | 36.00% | 0.00% | 0.00% | 0.00% | -3,143 bps | |