Tonawanda, NY · Charter 3319
Q1 2009
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 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.18% | 0.17% | 0.18% | -0.05% | -0.05% | 0.08% | 0.22% | -3.24% | -320 bps | |
| Return on Equity | 1.82% | 1.60% | 1.74% | -0.47% | -0.48% | 0.77% | 2.17% | -36.17% | -3,570 bps | |
| Net Interest Margin | 2.74% | 3.06% | 2.95% | 2.65% | 2.56% | 3.04% | 2.99% | 2.66% | +2 bps | |
| Efficiency Ratio | 93.34% | 94.33% | 93.93% | 101.68% | 101.68% | 97.44% | 92.90% | 95.30% | -638 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.69% | 1.86% | 8.59% | 4.32% | 3.66% | 2.09% | 4.96% | 5.24% | +91 bps | |
| Loan Growth (YoY) | 4.23% | -6.00% | -7.67% | -17.84% | -20.44% | -13.51% | -5.70% | -4.06% | +1,377 bps | |
| Share Growth (YoY) | 1.14% | 1.96% | 9.47% | 4.73% | 4.47% | 2.17% | 5.27% | 6.17% | +145 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.09% | 0.00% | 0 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 | 0.34% | 0.35% | 0.42% | 0.46% | 0.52% | 0.49% | 0.52% | 0.31% | -15 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.87% | 10.82% | 10.55% | 10.05% | 9.58% | 10.72% | 10.28% | 8.97% | -109 bps | |
| Net Worth / Assets | 9.87% | 10.82% | 10.55% | 10.05% | 9.58% | 10.72% | 10.28% | 8.97% | -109 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.26% | 40.10% | 35.41% | 31.17% | 28.37% | 33.95% | 31.72% | 28.16% | -301 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |