Buffalo, NY · Charter 1811
Q1 2012
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 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.08% | 1.84% | 1.16% | 2.16% | 2.10% | -0.40% | -0.21% | -0.91% | -307 bps | |
| Return on Equity | 0.68% | 16.08% | 10.60% | 18.33% | 17.63% | -3.92% | -1.78% | -7.20% | -2,553 bps | |
| Net Interest Margin | 2.75% | 3.52% | 2.97% | 3.76% | 3.59% | 3.13% | 3.11% | 2.60% | -116 bps | |
| Efficiency Ratio | 77.30% | 47.72% | 55.89% | 42.62% | 41.69% | 67.86% | 68.60% | 135.04% | +9,242 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.61% | 16.87% | 20.92% | 9.30% | 11.84% | 10.29% | -9.64% | -14.34% | -2,364 bps | |
| Loan Growth (YoY) | 1.10% | 10.51% | 65.54% | 16.25% | 2.01% | -10.73% | -37.00% | -19.87% | -3,613 bps | |
| Share Growth (YoY) | 9.00% | 18.76% | 23.85% | 9.42% | 11.25% | 11.75% | -10.49% | -13.49% | -2,290 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 20.63% | 9.23% | 11.45% | 34.25% | 28.13% | 37.19% | 28.10% | 26.64% | -761 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 | 1.58% | 1.51% | 1.18% | 1.53% | 1.55% | 1.91% | 2.12% | 2.15% | +62 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.57% | 11.44% | 10.98% | 11.79% | 11.89% | 10.13% | 11.52% | 12.67% | +88 bps | |
| Net Worth / Assets | 11.57% | 11.44% | 10.98% | 11.79% | 11.89% | 10.13% | 11.52% | 12.67% | +88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.67% | 76.67% | 89.74% | 75.02% | 71.21% | 61.25% | 63.16% | 69.48% | -554 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |