Buffalo, NY · Charter 63826
Q2 1998
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.96% | 4.43% | 4.44% | 2.90% | 2.88% | -10.30% | -0.83% | n/a | n/a | |
| 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 | -13.23% | -11.95% | -15.87% | -38.67% | -100.00% | -8,677 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | 8.24% | 6.81% | -6.10% | -30.29% | -100.00% | -10,824 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | -18.18% | -22.72% | -19.01% | -46.29% | -100.00% | -8,182 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 22.50% | 24.76% | 24.76% | 27.96% | 6.49% | 26.98% | 23.74% | 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 | 5.64% | 5.47% | 5.47% | 5.16% | 1.54% | 4.23% | 4.68% | 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 | 105.21% | 118.84% | 118.84% | 125.74% | 145.40% | 137.79% | 154.23% | n/a | n/a | |
| Liquid Assets / Assets | 14.91% | 13.07% | 12.98% | 3.73% | 3.34% | 3.86% | 0.00% | n/a | n/a | |