Buffalo, NY · Charter 23338
Q4 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.28% | 0.20% | 0.21% | 0.14% | 0.04% | 0.15% | 0.12% | 0.05% | -9 bps | |
| Return on Equity | 4.67% | 3.51% | 3.85% | 2.38% | 0.66% | 2.60% | 2.10% | 0.85% | -153 bps | |
| Net Interest Margin | 2.17% | 2.01% | 1.89% | 2.07% | 1.76% | 1.75% | 1.74% | 1.96% | -11 bps | |
| Efficiency Ratio | 90.08% | 84.45% | 88.07% | 90.31% | 97.91% | 91.64% | 91.67% | 95.95% | +564 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.79% | 6.39% | 10.92% | 12.95% | 6.96% | 1.80% | 0.44% | -2.19% | -1,514 bps | |
| Loan Growth (YoY) | -13.10% | -14.77% | -12.43% | -7.90% | -6.73% | -4.17% | -6.30% | -6.18% | +172 bps | |
| Share Growth (YoY) | 3.76% | 6.69% | 11.30% | 13.72% | 7.31% | 1.78% | 0.45% | -2.39% | -1,611 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.08% | 0.34% | 0.78% | 0.76% | 0.32% | 0.35% | 0.39% | 0.67% | -8 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 | 0.16% | 0.25% | 0.13% | 0.15% | 0.17% | 0.09% | 0.17% | 0.18% | +2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 5.98% | 5.73% | 5.50% | 6.01% | 5.67% | 5.74% | 5.54% | 6.20% | +19 bps | |
| Net Worth / Assets | 5.98% | 5.73% | 5.50% | 6.01% | 5.67% | 5.74% | 5.54% | 6.20% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 42.51% | 39.50% | 37.75% | 40.55% | 36.94% | 37.19% | 35.22% | 38.98% | -157 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |