Buffalo, NY · Charter 19299
Q3 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.11% | 0.74% | -0.21% | 0.32% | -2.22% | -3.37% | -2.23% | -1.18% | -150 bps | |
| Return on Equity | 1.03% | 6.79% | -1.95% | 3.34% | -22.40% | -38.05% | -24.03% | -12.44% | -1,578 bps | |
| Net Interest Margin | 3.83% | 2.92% | 2.61% | 2.91% | 2.89% | 3.35% | 3.32% | 3.53% | +62 bps | |
| Efficiency Ratio | 70.21% | 61.83% | 84.76% | 89.53% | 109.45% | 120.19% | 116.74% | 128.75% | +3,922 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.10% | -1.53% | -8.48% | -9.46% | -10.00% | -9.58% | -13.59% | -15.44% | -598 bps | |
| Loan Growth (YoY) | -25.60% | -28.87% | -26.14% | -31.50% | -32.90% | -23.92% | 5.20% | 31.93% | +6,342 bps | |
| Share Growth (YoY) | 6.13% | -1.70% | -9.59% | -9.16% | -8.79% | -7.39% | -12.02% | -15.41% | -625 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.75% | 14.75% | 15.84% | 5.35% | 0.18% | 0.38% | 1.46% | 0.00% | -535 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 | 0.51% | 0.98% | 0.64% | 1.07% | 0.65% | 1.78% | 1.83% | 1.96% | +89 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.92% | 10.92% | 10.88% | 9.55% | 9.91% | 8.86% | 9.28% | 9.47% | -8 bps | |
| Net Worth / Assets | 10.92% | 10.92% | 10.88% | 9.55% | 9.91% | 8.86% | 9.28% | 9.47% | -8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 42.05% | 36.90% | 34.17% | 28.68% | 30.94% | 30.32% | 40.86% | 44.72% | +1,605 bps | |
| Liquid Assets / Assets | 61.00% | 65.59% | 57.39% | 72.41% | 70.25% | 70.74% | 60.47% | 57.21% | -1,520 bps | |