Rochester, NY · Charter 24779
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 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.
Rochester, NY · Charter 24779
Q3 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 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|
| Earnings | |||
| Return on Assets | -10.99% | n/a | n/a |
| Return on Equity | -117.18% | n/a | n/a |
| Net Interest Margin | 5.18% | n/a | n/a |
| Efficiency Ratio | 114.59% | n/a | n/a |
| Growth | |||
| Asset Growth (YoY) | n/a | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a |
| Share Growth (YoY) | n/a | n/a | n/a |
| Asset Quality | |||
| Delinquent Loans / Loans | 0.41% | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a |
| Allowance / Loans | 2.19% | n/a | n/a |
| Capital | |||
| Risk-Based Capital | 9.38% | n/a | n/a |
| Net Worth / Assets | 9.38% | n/a | n/a |
| Liquidity & Funding | |||
| Loans / Shares | 67.26% | n/a | n/a |
| Liquid Assets / Assets | 0.00% | n/a | n/a |