Rochester, NY · Charter 63210
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 2006, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Rochester, NY · Charter 63210
Q2 2006
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.01% | -0.45% | 0.11% | -0.20% | -0.38% | -0.22% | -0.54% | -0.26% | -6 bps | |
| Return on Equity | 0.10% | -6.10% | 1.48% | -2.50% | -5.00% | -2.90% | -7.36% | -3.47% | -97 bps | |
| Net Interest Margin | 3.41% | 3.49% | 3.76% | 2.10% | 4.14% | 4.07% | 3.91% | 4.03% | +193 bps | |
| Efficiency Ratio | 92.27% | 93.19% | 90.50% | 97.44% | 92.37% | 91.11% | 100.35% | 92.81% | -463 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 24.52% | 22.77% | 17.11% | -6.70% | -6.04% | -3.41% | -2.71% | 1.21% | +790 bps | |
| Loan Growth (YoY) | 12.15% | 12.41% | 9.01% | 7.01% | 4.29% | -2.05% | -5.00% | -9.60% | -1,661 bps | |
| Share Growth (YoY) | 29.92% | 26.54% | 19.92% | -6.58% | -12.62% | -5.79% | -2.61% | 1.57% | +815 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.15% | 0.73% | 0.81% | 1.03% | 0.97% | 1.17% | 1.01% | 0.77% | -27 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 | 0.45% | 0.54% | 0.59% | 0.51% | 0.70% | 0.77% | 0.78% | 0.86% | +35 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.85% | 7.41% | 7.59% | 7.93% | 7.58% | 7.46% | 7.35% | 7.48% | -45 bps | |
| Net Worth / Assets | 7.85% | 7.41% | 7.59% | 7.93% | 7.58% | 7.46% | 7.35% | 7.48% | -45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.86% | 95.77% | 93.31% | 101.04% | 109.63% | 99.58% | 91.03% | 89.93% | -1,111 bps | |
| Liquid Assets / Assets | 9.80% | 8.19% | 8.27% | 0.89% | 0.42% | 7.01% | 10.20% | 0.00% | -89 bps | |