Buffalo, NY · Charter 3366
Q2 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.97% | 1.96% | 2.38% | 1.84% | 2.24% | 1.63% | 1.88% | -0.38% | -222 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | 2.02% | 4.45% | -4.70% | -2.33% | -5.92% | -32.74% | -20.48% | -1,578 bps | |
| Loan Growth (YoY) | n/a | 23.57% | 5.52% | -17.43% | -13.41% | -18.42% | -19.60% | -33.34% | -1,591 bps | |
| Share Growth (YoY) | n/a | 2.69% | 4.97% | -5.05% | -3.52% | -6.95% | -35.77% | -38.95% | -3,391 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.08% | 0.00% | 0.19% | 0.73% | 1.50% | 1.06% | 0.36% | 2.45% | +173 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 | 1.41% | 1.45% | 1.63% | 1.87% | 1.65% | 1.78% | 1.16% | 1.06% | -81 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.59% | 64.81% | 60.34% | 52.94% | 58.87% | 56.82% | 75.52% | 57.80% | +486 bps | |
| Liquid Assets / Assets | 33.77% | 31.33% | 39.40% | 39.29% | 38.90% | 41.84% | 24.83% | 47.08% | +779 bps | |