Niagara Falls, NY · Charter 62866
Q1 2015
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 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.38% | -0.49% | -1.43% | -1.59% | 0.08% | -0.12% | -1.06% | 0.40% | +198 bps | |
| Return on Equity | -2.76% | -3.48% | -10.37% | -11.82% | 0.56% | -0.83% | -7.53% | 2.71% | +1,454 bps | |
| Net Interest Margin | 3.21% | 3.29% | 3.43% | 2.66% | 2.91% | 3.21% | 3.34% | 3.92% | +126 bps | |
| Efficiency Ratio | 115.34% | 118.62% | 116.45% | 156.27% | 133.18% | 122.93% | 114.46% | 90.75% | -6,552 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.65% | -7.46% | -8.98% | -9.43% | -10.66% | -12.03% | -8.81% | -11.55% | -212 bps | |
| Loan Growth (YoY) | -6.30% | -6.64% | -10.95% | -10.36% | -6.99% | 1.46% | 8.62% | 11.41% | +2,177 bps | |
| Share Growth (YoY) | -9.90% | -8.22% | -9.10% | -9.23% | -11.11% | -12.91% | -9.99% | -12.69% | -346 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.66% | 3.90% | 3.54% | 0.60% | 2.35% | 1.17% | 0.69% | 1.13% | +53 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 | 3.36% | 2.92% | 3.09% | 3.40% | 1.40% | 0.50% | 2.04% | 2.42% | -98 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.92% | 14.03% | 13.80% | 13.43% | 14.36% | 14.73% | 14.07% | 14.63% | +121 bps | |
| Net Worth / Assets | 13.92% | 14.03% | 13.80% | 13.43% | 14.36% | 14.73% | 14.07% | 14.63% | +121 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.88% | 54.36% | 54.21% | 53.05% | 56.38% | 63.33% | 65.42% | 67.69% | +1,465 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |