Buffalo, NY · Charter 2070
Q4 2001
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 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.72% | 3.33% | -0.43% | -0.64% | -4.58% | -3.90% | 0.09% | -9.03% | -839 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | -30.11% | 0.66% | -134.61% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 7.62% | 9.76% | 5.88% | 7.59% | 7.90% | +28 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 87.63% | 79.47% | 115.37% | 98.83% | 134.53% | +4,691 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.19% | -9.97% | -12.20% | -7.83% | -22.01% | -4.19% | 1.16% | -12.94% | -511 bps | |
| Loan Growth (YoY) | 24.26% | 19.57% | -9.82% | -13.84% | -24.51% | -17.41% | -21.41% | -30.22% | -1,638 bps | |
| Share Growth (YoY) | -10.14% | -21.19% | -10.53% | -5.06% | -21.29% | 4.95% | -1.49% | -7.56% | -250 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.07% | 2.18% | 5.72% | 9.75% | 6.18% | 2.54% | 5.06% | 3.46% | -630 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 | 0.96% | 1.03% | 0.67% | 1.06% | 4.92% | 2.39% | 2.83% | 6.98% | +592 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 12.94% | 13.86% | 6.71% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 12.94% | 13.86% | 6.71% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 104.34% | 117.60% | 103.96% | 99.78% | 100.07% | 92.55% | 82.93% | 75.33% | -2,446 bps | |
| Liquid Assets / Assets | 3.12% | 5.30% | 0.48% | 5.54% | 0.41% | 19.51% | 26.90% | 32.59% | +2,704 bps | |