Rochester, NY · Charter 24558
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 2010, 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.
Rochester, NY · Charter 24558
Q1 2010
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 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.18% | -2.43% | -0.96% | -1.25% | 0.41% | -2.65% | -5.63% | -1.74% | -49 bps | |
| Return on Equity | -74.83% | -39.34% | -14.87% | -20.88% | 6.79% | -61.21% | -376% | -547% | -52,636 bps | |
| Net Interest Margin | 3.45% | 3.85% | 4.55% | 5.37% | 4.91% | 5.65% | 6.39% | 5.69% | +32 bps | |
| Efficiency Ratio | 146.89% | 118.54% | 73.81% | 82.04% | 76.26% | 92.66% | 98.86% | 95.07% | +1,303 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.65% | -1.82% | -18.15% | -18.21% | -14.24% | -17.80% | -13.66% | -19.21% | -100 bps | |
| Loan Growth (YoY) | 6.17% | 2.41% | -9.40% | -11.29% | -16.43% | -12.44% | -9.83% | -17.62% | -633 bps | |
| Share Growth (YoY) | 1.28% | -1.24% | -14.34% | -14.84% | -11.94% | -13.56% | -9.56% | -14.99% | -15 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 11.69% | 9.41% | 6.28% | 4.98% | 2.30% | 3.50% | 6.31% | 2.73% | -225 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 | 2.91% | 3.13% | 3.70% | 3.55% | 1.63% | 2.82% | 4.20% | 4.59% | +104 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 5.59% | 6.19% | 6.48% | 6.00% | 6.01% | 4.34% | 1.50% | 0.32% | -568 bps | |
| Net Worth / Assets | 5.59% | 6.19% | 6.48% | 6.00% | 6.01% | 4.34% | 1.50% | 0.32% | -568 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.38% | 77.92% | 80.45% | 76.95% | 72.49% | 78.92% | 80.21% | 74.57% | -238 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |