Buffalo, NY · Charter 62820
Q2 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.43% | -0.78% | 0.32% | 0.28% | 0.49% | 0.27% | 2.16% | 1.18% | +90 bps | |
| Return on Equity | 2.43% | -4.59% | 1.89% | 1.74% | 3.08% | 1.73% | 13.95% | 7.86% | +612 bps | |
| Net Interest Margin | 2.59% | 2.88% | 3.12% | 2.95% | 2.74% | 2.83% | 2.92% | 2.71% | -24 bps | |
| Efficiency Ratio | 83.56% | 82.83% | 68.92% | 81.01% | 77.70% | 74.13% | 49.84% | 65.36% | -1,565 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.23% | 4.30% | 7.03% | 12.72% | 17.96% | 18.06% | 16.76% | 12.14% | -58 bps | |
| Loan Growth (YoY) | 6.67% | 9.30% | -0.44% | -10.89% | -13.60% | -13.99% | -15.19% | -8.68% | +221 bps | |
| Share Growth (YoY) | 1.81% | 3.39% | 7.87% | 14.30% | 19.46% | 19.43% | 18.84% | 13.46% | -84 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.57% | 1.02% | 1.40% | 1.53% | 2.30% | 1.88% | 2.58% | 3.33% | +179 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 | 0.50% | 1.29% | 1.50% | 1.37% | 1.42% | 2.09% | 2.27% | 3.08% | +171 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.66% | 17.01% | 16.98% | 16.10% | 15.85% | 15.43% | 15.47% | 15.01% | -109 bps | |
| Net Worth / Assets | 17.66% | 17.01% | 16.98% | 16.10% | 15.85% | 15.43% | 15.47% | 15.01% | -109 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.48% | 35.01% | 31.74% | 26.98% | 26.38% | 25.21% | 22.66% | 21.72% | -527 bps | |
| Liquid Assets / Assets | 24.92% | 13.68% | 37.47% | 36.17% | 32.65% | 27.28% | 29.90% | 21.63% | -1,454 bps | |