Buffalo, NY · Charter 63809
Q2 1998
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 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.03% | 0.94% | 0.15% | 1.34% | 1.48% | 2.86% | 3.05% | -19.58% | -2,092 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | -9.43% | -8.92% | -3.34% | -2.29% | -44.87% | -3,544 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | -10.54% | -17.88% | -41.59% | -59.69% | -100.00% | -8,946 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | -19.73% | -14.18% | -8.06% | -8.07% | -100.00% | -8,027 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 58.34% | 16.43% | 16.43% | 27.74% | 14.52% | 10.64% | 7.12% | n/a | n/a | |
| 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 | 6.70% | 5.47% | 5.47% | 5.00% | 1.35% | 2.57% | 4.13% | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.58% | 113.25% | 113.25% | 92.11% | 83.80% | 71.95% | 49.66% | n/a | n/a | |
| Liquid Assets / Assets | 60.10% | 50.39% | 50.16% | 55.38% | 59.12% | 1.19% | 47.50% | 0.00% | -5,538 bps | |