Buffalo, NY · Charter 63088
Q4 2005
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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.32% | 0.34% | -5.05% | -3.36% | -5.63% | -7.56% | -1.28% | -2.22% | +114 bps | |
| Return on Equity | 2.14% | 2.85% | -41.24% | -20.48% | -55.25% | -97.48% | -12.84% | -19.60% | +88 bps | |
| Net Interest Margin | 5.18% | 4.91% | 5.31% | 3.29% | 5.71% | 5.98% | 1.86% | 6.55% | +326 bps | |
| Efficiency Ratio | 87.24% | 89.72% | 113.02% | 100.80% | 189.60% | 155.40% | 131.64% | 128.82% | +2,802 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.54% | -10.55% | -15.41% | -14.25% | -15.83% | -14.86% | -13.16% | -18.42% | -418 bps | |
| Loan Growth (YoY) | -11.68% | -1.89% | 15.27% | 21.34% | 18.18% | 10.36% | -17.45% | -24.48% | -4,582 bps | |
| Share Growth (YoY) | -9.02% | -7.78% | -8.72% | -14.01% | -7.74% | -11.00% | -15.20% | -15.21% | -120 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.41% | 0.06% | 2.30% | 0.51% | 2.96% | 3.17% | 0.19% | 0.36% | -14 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 | 2.49% | 3.43% | 4.15% | 4.29% | 4.89% | 7.47% | 3.37% | 4.65% | +36 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.11% | 11.80% | 12.25% | 16.38% | 10.19% | 7.76% | 9.96% | 11.32% | -506 bps | |
| Net Worth / Assets | 15.11% | 11.80% | 12.25% | 16.38% | 10.19% | 7.76% | 9.96% | 11.32% | -506 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.60% | 60.03% | 72.45% | 84.49% | 73.78% | 74.44% | 70.53% | 75.26% | -923 bps | |
| Liquid Assets / Assets | 50.24% | 46.70% | 33.73% | 27.90% | 31.98% | 34.38% | 35.79% | 33.16% | +526 bps | |