Rochester, NY · Charter 63861
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 | 0.68% | 0.33% | 0.23% | -0.02% | -0.70% | -0.53% | -4.81% | -16.85% | -1,683 bps | |
| Return on Equity | 5.34% | 2.59% | 1.74% | -0.14% | -5.41% | -4.34% | -34.28% | -179.54% | -17,940 bps | |
| Net Interest Margin | 4.16% | 4.13% | 4.24% | 4.33% | 3.67% | 4.21% | 4.68% | 5.17% | +84 bps | |
| Efficiency Ratio | 72.29% | 77.57% | 88.15% | 90.06% | 108.08% | 86.49% | 132.95% | 131.56% | +4,149 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.85% | -1.09% | -6.33% | 0.32% | -4.90% | -1.34% | -18.42% | -30.18% | -3,050 bps | |
| Loan Growth (YoY) | 19.90% | 21.54% | 38.73% | 3.35% | -11.19% | -27.53% | -31.97% | -30.58% | -3,392 bps | |
| Share Growth (YoY) | 0.27% | -1.73% | -7.76% | 0.11% | -5.15% | -0.38% | -19.20% | -27.48% | -2,759 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.58% | 1.61% | 4.05% | 4.72% | 3.99% | 36.50% | 36.71% | 0.29% | -443 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 | 0.78% | 1.22% | 1.61% | 2.29% | 0.66% | 3.50% | 3.60% | 2.25% | -4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.72% | 12.93% | 13.23% | 13.02% | 13.00% | 12.22% | 14.03% | 9.38% | -363 bps | |
| Net Worth / Assets | 12.72% | 12.93% | 13.23% | 13.02% | 13.00% | 12.22% | 14.03% | 9.38% | -363 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.53% | 74.07% | 76.81% | 67.66% | 63.23% | 53.89% | 64.68% | 64.76% | -289 bps | |
| Liquid Assets / Assets | 39.82% | 34.87% | 33.17% | 40.67% | 40.08% | 52.94% | 38.66% | 0.00% | -4,067 bps | |