Buffalo, NY · Charter 4099
Q1 2004
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 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.37% | 0.09% | -0.18% | -1.44% | -1.24% | -1.52% | -3.52% | -0.20% | +124 bps | |
| Return on Equity | 2.83% | 0.64% | -1.27% | -10.48% | -9.05% | -11.50% | -27.94% | -1.53% | +895 bps | |
| Net Interest Margin | 5.12% | 5.24% | 5.29% | 4.67% | 4.83% | 4.64% | 5.06% | 4.27% | -40 bps | |
| Efficiency Ratio | 92.96% | 98.33% | 103.33% | 130.82% | 125.41% | 132.50% | 135.94% | 91.44% | -3,938 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.86% | -1.50% | -7.27% | -4.48% | -11.70% | -5.90% | -12.96% | -15.37% | -1,089 bps | |
| Loan Growth (YoY) | -26.64% | -35.15% | -32.82% | -28.46% | -20.86% | -16.13% | -16.83% | -12.28% | +1,618 bps | |
| Share Growth (YoY) | 6.29% | -1.70% | -7.86% | -3.90% | -12.30% | -5.14% | -11.29% | -14.45% | -1,055 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.55% | 7.35% | 9.16% | 10.16% | 6.83% | 16.82% | 13.65% | 15.21% | +504 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 | 1.34% | 1.43% | 1.48% | 1.56% | 1.70% | 1.72% | 1.93% | 2.25% | +69 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.94% | 13.76% | 14.02% | 13.78% | 13.68% | 13.22% | 12.59% | 13.01% | -77 bps | |
| Net Worth / Assets | 12.94% | 13.76% | 14.02% | 13.78% | 13.68% | 13.22% | 12.59% | 13.01% | -77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.86% | 67.18% | 67.67% | 62.23% | 60.33% | 59.39% | 63.44% | 63.81% | +158 bps | |
| Liquid Assets / Assets | 40.79% | 40.91% | 40.49% | 44.58% | 34.85% | 41.35% | 43.98% | 39.40% | -517 bps | |