No. Tonawanda, NY · Charter 22749
Q1 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.20% | -4.11% | -0.82% | -1.36% | -3.03% | 1.39% | -0.30% | 0.24% | +159 bps | |
| Return on Equity | -2.30% | -53.71% | -10.20% | -17.40% | -55.09% | 24.05% | -5.31% | 4.22% | +2,162 bps | |
| Net Interest Margin | 3.01% | 3.32% | 3.35% | 3.75% | 3.79% | 4.05% | 4.12% | 3.92% | +17 bps | |
| Efficiency Ratio | 107.70% | 96.97% | 72.01% | 86.74% | 92.28% | 79.59% | 89.16% | 102.05% | +1,532 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.63% | 5.78% | 1.44% | 3.34% | 2.66% | 3.15% | -5.47% | -5.37% | -871 bps | |
| Loan Growth (YoY) | 10.19% | 12.93% | 12.66% | 5.88% | 1.83% | 0.59% | -10.99% | -22.04% | -2,792 bps | |
| Share Growth (YoY) | 16.28% | 7.01% | 1.47% | 4.53% | 9.75% | 5.57% | -2.84% | -3.04% | -757 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.01% | 1.23% | 2.48% | 2.82% | 0.17% | 0.74% | 1.30% | 0.77% | -205 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 | 0.22% | 0.23% | 0.58% | 0.61% | 1.27% | 1.16% | 1.50% | 1.73% | +112 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.75% | 7.65% | 8.08% | 7.81% | 5.49% | 5.77% | 5.57% | 5.61% | -220 bps | |
| Net Worth / Assets | 8.75% | 7.65% | 8.08% | 7.81% | 5.49% | 5.77% | 5.57% | 5.61% | -220 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.48% | 65.38% | 67.99% | 70.96% | 63.53% | 62.29% | 62.29% | 57.05% | -1,391 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |