East Aurora, NY · Charter 15387
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
East Aurora, NY · Charter 15387
Q3 2005
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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.14% | -0.16% | -0.37% | -0.49% | -0.25% | 0.36% | 0.27% | 0.15% | +64 bps | |
| Return on Equity | 0.81% | -0.95% | -2.28% | -2.87% | -1.42% | 2.03% | 1.43% | 0.66% | +353 bps | |
| Net Interest Margin | 3.76% | 3.49% | 3.08% | 3.37% | 3.48% | 3.53% | 3.80% | 4.38% | +101 bps | |
| Efficiency Ratio | 96.19% | 104.62% | 111.87% | 114.69% | 107.13% | 89.70% | 92.98% | 96.68% | -1,802 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.87% | 0.10% | -2.06% | 3.36% | -0.57% | -6.36% | -13.86% | -21.21% | -2,457 bps | |
| Loan Growth (YoY) | -11.29% | -19.39% | -19.54% | -16.59% | -16.14% | -7.48% | -12.24% | -15.68% | +91 bps | |
| Share Growth (YoY) | 1.07% | 0.39% | -2.20% | 4.11% | -0.30% | -7.33% | -16.47% | -30.94% | -3,505 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.29% | 1.27% | 1.80% | 1.54% | 0.61% | 1.99% | 2.15% | 2.82% | +128 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 | 2.95% | 0.69% | 0.70% | 0.70% | 0.18% | 0.19% | 0.20% | 0.25% | -44 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.60% | 16.96% | 16.08% | 17.27% | 17.45% | 17.88% | 18.70% | 22.05% | +478 bps | |
| Net Worth / Assets | 17.60% | 16.96% | 16.08% | 17.27% | 17.45% | 17.88% | 18.70% | 22.05% | +478 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.61% | 53.66% | 50.46% | 55.51% | 55.19% | 53.57% | 53.01% | 67.78% | +1,227 bps | |
| Liquid Assets / Assets | 46.26% | 53.62% | 40.64% | 52.74% | 52.90% | 54.37% | 55.17% | 49.10% | -364 bps | |