Tonawanda, NY · Charter 3419
Q2 2005
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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.04% | -0.04% | -0.78% | -0.68% | -0.18% | -0.13% | -0.13% | -1.33% | -65 bps | |
| Return on Equity | -0.38% | -0.41% | -7.30% | -6.46% | -1.62% | -1.26% | -1.24% | -13.40% | -695 bps | |
| Net Interest Margin | 0.99% | 2.73% | 2.12% | 2.04% | 2.46% | 2.41% | 2.48% | 2.63% | +59 bps | |
| Efficiency Ratio | 104.08% | 101.64% | 136.35% | 132.85% | 107.18% | 105.44% | 105.15% | 108.03% | -2,482 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.47% | 0.22% | -4.36% | -3.28% | -4.87% | 2.35% | 4.23% | 1.52% | +480 bps | |
| Loan Growth (YoY) | -18.48% | -17.96% | -24.17% | -26.45% | -26.69% | -31.64% | -21.43% | -14.21% | +1,224 bps | |
| Share Growth (YoY) | 1.93% | 0.30% | -4.58% | -3.32% | -5.37% | 2.79% | 4.71% | 2.23% | +555 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.83% | 11.56% | 9.49% | 9.99% | 8.86% | 7.73% | 7.66% | 6.25% | -374 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 | 3.68% | 3.80% | 4.33% | 4.86% | 4.92% | 4.44% | 4.45% | 6.25% | +140 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.55% | 10.87% | 10.73% | 10.53% | 11.02% | 10.48% | 10.32% | 9.91% | -62 bps | |
| Net Worth / Assets | 10.55% | 10.87% | 10.73% | 10.53% | 11.02% | 10.48% | 10.32% | 9.91% | -62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 42.86% | 42.83% | 37.77% | 33.38% | 33.21% | 28.48% | 28.34% | 28.02% | -537 bps | |
| Liquid Assets / Assets | 58.46% | 49.05% | 62.02% | 34.31% | 51.31% | 65.41% | 70.34% | 70.83% | +3,652 bps | |