Williamsville, NY · Cert 58065
FDIC
Q2 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2009, the quarter ended June 30, 2009, 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.
Williamsville, NY · Cert 58065
FDIC
Q2 2009
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -5.09% | -4.29% | -4.41% | -4.31% | -4.22% | -9.52% | -3.34% | -6.36% | -205 bps | |
| Return on Equity | n/a | n/a | -33.58% | -38.59% | -40.14% | -110.54% | -213% | -935% | -89,677 bps | |
| Net Interest Margin | 1.28% | 0.86% | 0.67% | 0.58% | 0.80% | 1.01% | 1.37% | 1.19% | +61 bps | |
| Efficiency Ratio | 816% | 981% | 1065% | 1063% | 763% | 654% | 317% | 544% | -51,903 bps | |
| Non-Interest Burden | 10.16% | 8.39% | 7.53% | 6.42% | 6.31% | 7.11% | 4.58% | 6.97% | +56 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | 379% | 194.72% | 70.31% | 48.36% | 10.83% | -12.64% | -20,736 bps | |
| Loan Growth (YoY) | n/a | n/a | 2451% | 639% | 421% | 190.14% | 111.97% | 37.66% | -60,162 bps | |
| Deposit Growth (YoY) | n/a | n/a | 1342% | 307% | 96.31% | 71.29% | 23.18% | -3.65% | -31,096 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.22% | 0.00% | 1.19% | +119 bps | |
| Allowance / Loans | 0.99% | 0.98% | 0.98% | 0.98% | 1.03% | 1.07% | 1.09% | 0.98% | -1 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 | 60.47% | 23.62% | 15.40% | 10.88% | 6.93% | 3.72% | 2.42% | -1.75% | -1,263 bps | |
| Equity / Assets | 21.34% | 15.66% | 11.17% | 8.30% | 8.58% | 1.99% | 1.15% | -1.23% | -953 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 29.94% | 45.13% | 48.12% | 53.68% | 79.47% | 76.45% | 82.81% | 76.69% | +2,301 bps | |
| Liquid Assets / Assets | 0.32% | 5.17% | 2.09% | 4.87% | 0.00% | 0.00% | 0.00% | 0.00% | -487 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |