Rochester, NY · Charter 24775
Q2 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.11% | 0.03% | -0.20% | -0.13% | 0.02% | -0.15% | 0.54% | -0.24% | -11 bps | |
| Return on Equity | -1.39% | 0.37% | -2.34% | -1.59% | 0.18% | -1.76% | 6.29% | -2.71% | -111 bps | |
| Net Interest Margin | 4.36% | 4.41% | 4.59% | 4.47% | 4.64% | 4.50% | 3.95% | 3.81% | -66 bps | |
| Efficiency Ratio | 89.49% | 85.91% | 83.74% | 82.09% | 81.37% | 83.06% | 89.78% | 93.08% | +1,099 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | -4.66% | -3.59% | -2.01% | -8.45% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -13.19% | -15.03% | -14.84% | -15.61% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -5.18% | -3.81% | -2.11% | -9.06% | n/a | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.79% | 1.54% | 0.60% | 0.81% | 1.17% | 0.91% | 0.43% | 0.80% | -1 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 | 0.93% | 0.94% | 0.92% | 0.97% | 1.07% | 1.23% | 1.26% | 1.19% | +23 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.15% | 8.36% | 8.55% | 8.28% | 8.68% | 8.52% | 8.58% | 8.83% | +56 bps | |
| Net Worth / Assets | 8.15% | 8.36% | 8.55% | 8.28% | 8.68% | 8.52% | 8.58% | 8.83% | +56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.65% | 91.65% | 89.76% | 84.93% | 85.74% | 80.96% | 78.08% | 78.81% | -612 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |