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Buffalo & Erie Cnty Pub Library Emp

Buffalo, NY · Charter 3362

Q4 2012

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2012, the quarter ended December 31, 2012, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Buffalo & Erie Cnty Pub Library Emp

Buffalo, NY · Charter 3362

Q4 2012

$1.2MAssets
$142KLoans
$1.1MShares
$109KNet Worth

Executive Summary

  • Earnings: ROA of -1.80%, down 14 bps year over year; NIM at 1.23%.
  • Asset quality: problem loans at 0.00% of loans (-927 bps YoY).
  • Capital: net worth / assets of 8.99%, down 184 bps from a year ago.
  • Funding: loans stand at 12.95% of shares as of Q4 2012.

Return on Assets (YTD, annualized)

-1.80%-14 bps YoY

Net Interest Margin (YTD, annualized)

1.23%-42 bps YoY

Efficiency Ratio (YTD, annualized)

209%+4,777 bps YoY

Net Worth / Assets

8.99%-184 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2011Q2 2011Q3 2011Q4 2011Q1 2012Q2 2012Q3 2012Q4 2012YoY ΔTrend
Earnings
Return on Assets-0.64%-1.89%-1.63%-1.66%-1.93%-2.67%-1.90%-1.80%-14 bps
Return on Equity-5.33%-17.10%-14.95%-15.28%-18.33%-27.24%-20.08%-20.00%-472 bps
Net Interest Margin1.66%1.69%1.72%1.65%1.71%1.36%1.30%1.23%-42 bps
Efficiency Ratio124.70%138.88%146.35%161.06%169.86%209%203%209%+4,777 bps
Growth
Asset Growth (YoY)5.23%7.83%4.31%-3.87%-3.63%-6.72%-3.10%0.43%+430 bps
Loan Growth (YoY)-11.08%-15.75%-24.11%-34.37%-37.54%-40.95%-14.64%6.06%+4,042 bps
Share Growth (YoY)8.70%11.52%7.80%-0.62%-1.95%-4.84%-1.26%2.66%+328 bps
Asset Quality
Delinquent Loans / Loans0.01%11.87%8.02%9.27%0.15%0.00%0.00%0.00%-927 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.04%5.15%1.23%1.44%3.42%6.86%4.00%3.77%+233 bps
Capital
Risk-Based Capital12.07%11.04%10.93%10.84%10.53%9.81%9.46%8.99%-184 bps
Net Worth / Assets12.07%11.04%10.93%10.84%10.53%9.81%9.46%8.99%-184 bps
Liquidity & Funding
Loans / Shares17.11%15.91%14.32%12.54%10.90%9.87%12.38%12.95%+41 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps