Williamsville, NY · Charter 63928
Q3 2004
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 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | 0.86% | 1.06% | 1.13% | 0.83% | 1.10% | 1.02% | 1.14% | +1 bps | |
| Return on Equity | 4.13% | 6.09% | 7.49% | 7.74% | 5.59% | 7.33% | 6.82% | 7.41% | -33 bps | |
| Net Interest Margin | 4.15% | 3.97% | 4.05% | 4.16% | 3.98% | 4.24% | 4.07% | 4.08% | -8 bps | |
| Efficiency Ratio | 80.81% | 77.29% | 74.46% | 72.77% | 76.67% | 72.67% | 73.88% | 72.24% | -53 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.72% | 2.67% | 3.47% | 4.51% | 2.53% | 0.56% | 0.18% | -0.07% | -457 bps | |
| Loan Growth (YoY) | 3.36% | 3.22% | -1.11% | 1.36% | 4.53% | 2.42% | -1.34% | -3.05% | -441 bps | |
| Share Growth (YoY) | 3.72% | 2.17% | 2.78% | 3.78% | 1.75% | -0.43% | -0.78% | -1.11% | -488 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.24% | 1.12% | 0.71% | 1.02% | 0.72% | 0.89% | 0.88% | 0.99% | -3 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 | 0.88% | 0.83% | 0.65% | 0.53% | 0.53% | 0.57% | 0.57% | 0.58% | +5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.37% | 14.11% | 14.17% | 14.57% | 14.88% | 14.96% | 14.98% | 15.40% | +83 bps | |
| Net Worth / Assets | 14.37% | 14.11% | 14.17% | 14.57% | 14.88% | 14.96% | 14.98% | 15.40% | +83 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.94% | 71.83% | 73.24% | 76.29% | 78.02% | 73.89% | 72.83% | 74.79% | -150 bps | |
| Liquid Assets / Assets | 22.98% | 26.87% | 24.50% | 20.88% | 17.13% | 20.81% | 20.91% | 20.30% | -58 bps | |