Buffalo, NY · Charter 2878
Q4 2000
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.14% | 1.33% | 1.01% | 2.01% | 0.00% | -2.81% | -1.44% | -3.50% | -551 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | -15.14% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 6.26% | 6.38% | 5.01% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 128.35% | 121.16% | 153.27% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -26.90% | -22.75% | -17.39% | -20.90% | -20.66% | -24.54% | -21.88% | -18.12% | +277 bps | |
| Loan Growth (YoY) | -14.50% | -13.01% | -35.48% | -36.65% | -32.26% | -48.55% | -49.32% | -52.88% | -1,624 bps | |
| Share Growth (YoY) | -31.17% | -25.18% | -20.81% | -25.62% | -25.28% | -28.27% | -24.21% | -16.36% | +926 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.36% | 5.41% | 3.85% | 8.71% | 8.91% | 10.00% | 4.02% | 10.26% | +155 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 | 1.59% | 2.00% | 1.58% | 1.71% | 1.68% | 2.71% | 1.14% | 0.89% | -82 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 23.13% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 23.13% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 105.79% | 94.38% | 84.80% | 85.68% | 95.91% | 67.69% | 56.71% | 48.27% | -3,741 bps | |
| Liquid Assets / Assets | 11.45% | 21.76% | 29.44% | 29.67% | 22.52% | 37.77% | 7.50% | 56.22% | +2,654 bps | |