Rochester, NY · Charter 4001
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Rochester, NY · Charter 4001
Q1 2013
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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.08% | -0.16% | -0.23% | -0.11% | -0.33% | -0.65% | -0.89% | -19.42% | -1,931 bps | |
| Return on Equity | 1.15% | -2.44% | -3.29% | -1.75% | -5.06% | -10.12% | -14.11% | -1756% | -175,467 bps | |
| Net Interest Margin | 6.03% | 5.91% | 6.32% | 5.81% | 5.62% | 5.85% | 5.89% | 4.88% | -93 bps | |
| Efficiency Ratio | 91.36% | 95.62% | 98.10% | 101.74% | 101.51% | 103.45% | 105.89% | 448% | +34,618 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.81% | 3.84% | -5.47% | -5.44% | -1.30% | -8.24% | -4.45% | -3.59% | +186 bps | |
| Loan Growth (YoY) | -15.48% | -13.86% | -12.23% | -14.75% | -13.09% | -16.88% | -15.57% | -15.10% | -36 bps | |
| Share Growth (YoY) | 4.84% | 4.19% | -5.95% | -5.71% | -1.00% | -8.29% | -3.68% | 2.15% | +785 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.38% | 2.95% | 3.97% | 3.11% | 5.31% | 5.77% | 6.66% | 6.03% | +292 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 | 0.96% | 0.94% | 0.93% | 0.78% | 1.02% | 1.04% | 1.02% | 1.02% | +23 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.79% | 6.46% | 6.86% | 6.52% | 6.46% | 6.46% | 6.30% | 1.11% | -541 bps | |
| Net Worth / Assets | 6.79% | 6.46% | 6.86% | 6.52% | 6.46% | 6.46% | 6.30% | 1.11% | -541 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.79% | 69.81% | 73.08% | 64.13% | 63.02% | 63.27% | 64.06% | 53.30% | -1,083 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |