Buffalo, NY · Cert 589
FDIC
Q2 2004
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 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.01% | 1.04% | 1.22% | 1.25% | 1.15% | 1.12% | 1.36% | 1.30% | +5 bps | |
| Return on Equity | 12.18% | 12.54% | 14.43% | 14.85% | 13.65% | 13.25% | 16.12% | 16.02% | +117 bps | |
| Net Interest Margin | 2.89% | 2.86% | 3.00% | 3.00% | 2.92% | 2.82% | 2.81% | 2.69% | -30 bps | |
| Efficiency Ratio | 54.48% | 53.97% | 49.86% | 50.68% | 53.52% | 54.02% | 49.52% | 50.39% | -29 bps | |
| Non-Interest Burden | 1.11% | 1.06% | 0.90% | 0.92% | 1.08% | 1.05% | 0.85% | 0.87% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.66% | -8.92% | -9.24% | -4.33% | -7.43% | -4.34% | 4.41% | 11.40% | +1,573 bps | |
| Loan Growth (YoY) | -1.54% | 6.68% | 2.10% | 3.83% | 6.45% | 11.17% | 19.84% | 43.22% | +3,939 bps | |
| Deposit Growth (YoY) | 3.76% | 8.01% | 3.85% | 7.54% | 11.80% | 12.55% | 9.90% | 27.44% | +1,990 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 | 0.42% | 0.47% | 0.46% | 0.33% | 0.31% | 0.32% | 0.06% | 0.08% | -25 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 12.81% | 12.38% | 12.31% | 11.82% | 11.84% | 11.82% | 12.85% | 11.90% | +9 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 110.11% | 108.73% | 104.78% | 104.21% | 104.84% | 107.39% | 114.25% | 117.12% | +1,291 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |