Buffalo, NY · Charter 24048
Q2 2002
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 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.62% | 2.93% | -1.06% | 2.53% | 1.28% | 1.18% | -11.65% | -0.12% | -265 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 11.10% | 12.62% | -1182% | -11.96% | n/a | |
| Net Interest Margin | n/a | n/a | 4.99% | 5.40% | 5.61% | 5.77% | 6.16% | 3.49% | -192 bps | |
| Efficiency Ratio | n/a | n/a | 104.79% | 80.69% | 96.63% | 78.55% | 93.01% | 101.72% | +2,104 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.79% | -20.50% | -18.83% | -1.65% | -10.23% | -11.47% | -34.48% | -48.40% | -4,675 bps | |
| Loan Growth (YoY) | -29.25% | 23.56% | 82.86% | 108.31% | 62.55% | -22.80% | -18.11% | -31.22% | -13,953 bps | |
| Share Growth (YoY) | -16.33% | -24.34% | -19.69% | -1.11% | -10.89% | -8.68% | -28.50% | -43.74% | -4,264 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.37% | 0.28% | 1.70% | 1.18% | 7.52% | 1.93% | 0.80% | 0.00% | -118 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 | 1.88% | 3.05% | 4.70% | 3.49% | 2.92% | 4.54% | 26.95% | 0.98% | -251 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 11.57% | 9.38% | 0.99% | 1.01% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 11.57% | 9.38% | 0.99% | 1.01% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 20.86% | 37.08% | 45.79% | 33.58% | 38.04% | 31.35% | 52.45% | 41.05% | +747 bps | |
| Liquid Assets / Assets | 80.13% | 60.95% | 43.04% | 0.00% | 65.70% | 71.15% | 60.12% | 58.01% | +5,801 bps | |