Rochester, NY · Charter 23304
Q3 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.02% | -0.02% | -3.64% | -2.26% | -2.62% | -1.71% | -1.37% | -5.74% | -348 bps | |
| Return on Equity | -0.13% | -0.10% | -22.81% | -14.66% | -17.42% | -11.73% | -9.29% | -56.06% | -4,140 bps | |
| Net Interest Margin | 5.20% | 5.27% | 4.67% | 4.34% | 4.32% | 4.29% | 4.41% | 4.27% | -7 bps | |
| Efficiency Ratio | 96.59% | 96.00% | 104.00% | 107.94% | 120.39% | 107.55% | 114.41% | 210% | +10,209 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.20% | 2.22% | 1.28% | 4.22% | 6.47% | 8.80% | -0.19% | -4.35% | -857 bps | |
| Loan Growth (YoY) | -3.73% | 1.72% | 6.81% | 12.02% | 9.52% | 5.40% | 4.29% | -2.87% | -1,489 bps | |
| Share Growth (YoY) | 0.38% | 2.93% | 2.59% | 5.57% | 9.44% | 12.98% | 1.49% | 1.84% | -373 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.14% | 1.36% | 0.82% | 0.94% | 1.64% | 0.90% | 1.13% | 1.01% | +7 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 | 0.27% | 0.26% | 0.36% | 0.37% | 0.52% | 0.64% | 0.59% | 0.61% | +24 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.38% | 17.80% | 15.95% | 15.43% | 15.04% | 14.60% | 14.78% | 10.24% | -519 bps | |
| Net Worth / Assets | 17.38% | 17.80% | 15.95% | 15.43% | 15.04% | 14.60% | 14.78% | 10.24% | -519 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.00% | 106.84% | 99.68% | 94.97% | 98.08% | 99.67% | 102.43% | 90.58% | -440 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |