Buffalo, NY · Charter 3362
Q4 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 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 Margin | 1.66% | 1.69% | 1.72% | 1.65% | 1.71% | 1.36% | 1.30% | 1.23% | -42 bps | |
| Efficiency Ratio | 124.70% | 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 / Loans | 0.01% | 11.87% | 8.02% | 9.27% | 0.15% | 0.00% | 0.00% | 0.00% | -927 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 | 1.04% | 5.15% | 1.23% | 1.44% | 3.42% | 6.86% | 4.00% | 3.77% | +233 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.07% | 11.04% | 10.93% | 10.84% | 10.53% | 9.81% | 9.46% | 8.99% | -184 bps | |
| Net Worth / Assets | 12.07% | 11.04% | 10.93% | 10.84% | 10.53% | 9.81% | 9.46% | 8.99% | -184 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 17.11% | 15.91% | 14.32% | 12.54% | 10.90% | 9.87% | 12.38% | 12.95% | +41 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |