Buffalo, NY · Cert 35185
FDIC
Q4 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.04% | -0.10% | -0.25% | -0.40% | -0.23% | -0.01% | -0.68% | -0.12% | +28 bps | |
| Return on Equity | 0.71% | -1.82% | -4.52% | -6.92% | -3.88% | -0.16% | -11.36% | -2.06% | +487 bps | |
| Net Interest Margin | 1.87% | 1.72% | 1.64% | 1.79% | 1.84% | 1.91% | 1.83% | 1.84% | +4 bps | |
| Efficiency Ratio | 94.79% | 104.00% | 110.65% | 119.63% | 111.03% | 109.84% | 141.80% | 103.41% | -1,621 bps | |
| Non-Interest Burden | 1.77% | 1.80% | 1.85% | 2.20% | 2.08% | 2.15% | 2.79% | 1.91% | -28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.55% | 16.43% | 2.47% | 4.08% | 3.67% | -6.31% | 4.45% | 1.69% | -239 bps | |
| Loan Growth (YoY) | 42.16% | 30.53% | 25.12% | 25.51% | 21.85% | 12.53% | 11.84% | 6.10% | -1,941 bps | |
| Deposit Growth (YoY) | 9.84% | 19.56% | 15.89% | 7.02% | 2.45% | -5.14% | -2.72% | -2.26% | -927 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.02% | 0.02% | 0.03% | 0.07% | 0.44% | 0.29% | 0.12% | +9 bps | |
| Allowance / Loans | 0.69% | 0.71% | 0.68% | 0.73% | 0.73% | 0.56% | 0.53% | 0.56% | -17 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 12.27% | 10.20% | 11.51% | 10.83% | 11.17% | 11.02% | 10.06% | 9.98% | -85 bps | |
| Equity / Assets | 5.59% | 5.08% | 5.84% | 5.61% | 6.09% | 6.08% | 5.82% | 5.77% | +16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.82% | 67.46% | 72.56% | 77.79% | 81.85% | 80.02% | 83.42% | 84.43% | +665 bps | |
| Liquid Assets / Assets | 3.40% | 1.88% | 2.03% | 2.04% | 1.97% | 2.11% | 1.96% | 2.68% | +64 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |