Buffalo, NY · Charter 2590
Q2 2012
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 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.00% | -0.24% | -0.06% | -0.13% | 0.22% | 0.56% | 0.04% | -0.14% | -2 bps | |
| Return on Equity | 21.20% | -5.36% | -1.58% | -2.54% | 4.16% | 10.02% | 0.73% | -2.52% | +2 bps | |
| Net Interest Margin | 3.24% | 3.15% | 3.10% | 3.70% | 3.68% | 3.74% | 3.46% | 3.41% | -28 bps | |
| Efficiency Ratio | 70.28% | 91.00% | 90.10% | 88.04% | 85.39% | 79.18% | 99.05% | 103.29% | +1,526 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.57% | -4.02% | -9.55% | -20.24% | -21.11% | -19.95% | -19.72% | -2.86% | +1,737 bps | |
| Loan Growth (YoY) | 49.23% | -5.69% | -19.57% | -22.25% | -22.21% | -21.71% | -17.56% | -19.71% | +254 bps | |
| Share Growth (YoY) | 22.65% | -2.54% | -8.93% | -20.60% | -21.36% | -21.01% | -21.23% | -3.18% | +1,742 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.25% | 0.49% | 0.52% | 0.17% | 0.14% | 0.25% | 0.14% | 0.58% | +41 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 | 0.45% | 0.15% | 0.76% | 1.10% | 1.14% | 1.05% | 1.10% | 0.62% | -49 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 4.70% | 4.39% | 4.09% | 4.93% | 5.17% | 5.63% | 5.74% | 5.64% | +71 bps | |
| Net Worth / Assets | 4.70% | 4.39% | 4.09% | 4.93% | 5.17% | 5.63% | 5.74% | 5.64% | +71 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.15% | 77.12% | 71.33% | 83.06% | 80.27% | 76.44% | 74.65% | 68.88% | -1,418 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |