Williamsville, NY · Cert 58065
FDIC
Q2 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -6.78% | -5.95% | -4.41% | -4.21% | -3.67% | -24.54% | -3.34% | -9.47% | -525 bps | |
| Return on Equity | -25.91% | -32.80% | -33.58% | -43.89% | -43.59% | -482% | -213% | 90267% | +9,031,056 bps | |
| Net Interest Margin | 0.94% | 0.68% | 0.67% | 0.64% | 1.27% | 1.49% | 1.37% | 0.95% | +31 bps | |
| Efficiency Ratio | 1133% | 1572% | 1065% | 1061% | 496% | 485% | 317% | 879% | -18,265 bps | |
| Non-Interest Burden | 10.83% | 11.63% | 7.53% | 7.02% | 6.49% | 8.15% | 4.58% | 9.14% | +213 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% | 0.89% | 0.00% | 2.38% | +238 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 |