Buffalo, NY · Charter 18589
Q3 2009
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 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.87% | 2.37% | 1.54% | 1.52% | 0.33% | -4.17% | -16.87% | -11.03% | -1,255 bps | |
| Return on Equity | 13.58% | 16.62% | 11.05% | 7.31% | 1.65% | -20.70% | -119.29% | -74.50% | -8,181 bps | |
| Net Interest Margin | 5.00% | 5.56% | 4.50% | 5.47% | 4.88% | 4.24% | 3.88% | 4.22% | -125 bps | |
| Efficiency Ratio | 47.90% | 57.51% | 65.91% | 72.29% | 76.40% | 120.35% | 91.43% | 85.30% | +1,302 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.78% | -7.31% | -4.65% | -30.72% | -30.63% | -34.21% | -40.65% | -13.23% | +1,749 bps | |
| Loan Growth (YoY) | 18.54% | -3.37% | -5.59% | -28.83% | -27.19% | -6.99% | -19.95% | -14.71% | +1,412 bps | |
| Share Growth (YoY) | -15.02% | -9.97% | -6.36% | -36.33% | -35.87% | -38.96% | -40.83% | -6.67% | +2,966 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 27.21% | 31.04% | 29.83% | 27.11% | 35.56% | 24.81% | 16.01% | 23.02% | -410 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 | 5.87% | 7.80% | 6.15% | 6.32% | 8.06% | 8.38% | 16.01% | 15.44% | +911 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.80% | 14.29% | 13.95% | 20.83% | 20.23% | 20.12% | 14.14% | 14.80% | -603 bps | |
| Net Worth / Assets | 13.80% | 14.29% | 13.95% | 20.83% | 20.23% | 20.12% | 14.14% | 14.80% | -603 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.25% | 43.00% | 41.99% | 66.40% | 65.01% | 65.51% | 56.81% | 60.68% | -572 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |