Buffalo, NY · Charter 23535
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 31, 2006, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Buffalo, NY · Charter 23535
Q1 2006
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 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.04% | -1.48% | -1.32% | -12.84% | -5.92% | -7.15% | -16.15% | -87.28% | -7,444 bps | |
| Return on Equity | 0.09% | -3.76% | -3.44% | -32.18% | -14.09% | -17.05% | -40.34% | -332% | -30,002 bps | |
| Net Interest Margin | 7.27% | 7.33% | 6.99% | 6.61% | 7.05% | 7.05% | 8.38% | 9.02% | +242 bps | |
| Efficiency Ratio | 99.56% | 106.78% | 108.21% | 121.40% | 96.77% | 139.18% | 133.84% | 225% | +10,389 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.56% | -11.68% | -11.72% | -19.25% | -18.97% | -17.51% | -31.70% | -36.27% | -1,702 bps | |
| Loan Growth (YoY) | -15.60% | -16.67% | -18.80% | -16.45% | -15.94% | 4.24% | -5.74% | -35.16% | -1,870 bps | |
| Share Growth (YoY) | -15.71% | -14.93% | -14.39% | -22.89% | -23.80% | -23.08% | -34.96% | -23.02% | -13 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 12.89% | 10.79% | 10.01% | 5.44% | 6.28% | 15.83% | 27.34% | 2.34% | -310 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 | 2.57% | 2.25% | 2.27% | 6.22% | 6.48% | 5.63% | 15.19% | 7.87% | +164 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 38.83% | 39.49% | 38.37% | 39.90% | 41.99% | 41.97% | 40.03% | 26.27% | -1,362 bps | |
| Net Worth / Assets | 38.83% | 39.49% | 38.37% | 39.90% | 41.99% | 41.97% | 40.03% | 26.27% | -1,362 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 130.32% | 127.83% | 122.79% | 128.96% | 143.77% | 173.24% | 177.98% | 108.63% | -2,033 bps | |
| Liquid Assets / Assets | 16.84% | 17.55% | 22.13% | 23.43% | 18.59% | 3.96% | 7.12% | 24.13% | +69 bps | |