Rochester, NY · Charter 21363
Q1 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 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.67% | -1.92% | -1.42% | -6.51% | -4.08% | -3.01% | -3.94% | -9.03% | -253 bps | |
| Return on Equity | -7.23% | -23.17% | -18.24% | -138.29% | -106.63% | -78.11% | -147.23% | -896% | -75,742 bps | |
| Net Interest Margin | 5.73% | 5.98% | 5.80% | 4.59% | 4.18% | 4.44% | 4.64% | 5.43% | +84 bps | |
| Efficiency Ratio | 92.05% | 94.31% | 96.74% | 150.76% | 124.85% | 118.19% | 119.47% | 116.89% | -3,387 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.60% | 5.81% | 6.60% | 34.35% | 37.55% | 34.62% | 16.08% | -22.49% | -5,684 bps | |
| Loan Growth (YoY) | 22.50% | 9.87% | 2.41% | -2.54% | -9.00% | -17.46% | -20.95% | -21.90% | -1,936 bps | |
| Share Growth (YoY) | 9.11% | 8.87% | 15.02% | 41.52% | 45.45% | 41.27% | 27.92% | -19.61% | -6,113 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.25% | 4.33% | 8.62% | 4.44% | 4.57% | 7.81% | 9.52% | 8.82% | +438 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 | 0.92% | 0.95% | 1.06% | 1.57% | 1.81% | 1.84% | 2.69% | 3.06% | +150 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.21% | 8.29% | 7.78% | 4.71% | 3.83% | 3.85% | 2.68% | 1.01% | -370 bps | |
| Net Worth / Assets | 9.21% | 8.29% | 7.78% | 4.71% | 3.83% | 3.85% | 2.68% | 1.01% | -370 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.09% | 94.78% | 89.81% | 65.78% | 57.62% | 55.37% | 55.50% | 63.91% | -187 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |