Buffalo, NY · Charter 7453
Q4 2008
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 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.97% | 1.44% | 1.21% | 1.04% | -1.19% | -0.57% | -0.52% | -12.59% | -1,364 bps | |
| Return on Equity | 8.06% | 5.74% | 4.43% | 3.69% | -4.22% | -2.08% | -1.81% | -72.37% | -7,606 bps | |
| Net Interest Margin | 4.85% | 4.56% | 4.87% | 4.80% | 3.47% | 3.70% | 3.65% | -8.68% | -1,348 bps | |
| Efficiency Ratio | 59.86% | 69.15% | 75.61% | 78.75% | 132.07% | 114.80% | 113.77% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.02% | -3.40% | -9.50% | -11.97% | -12.95% | -9.41% | -6.14% | -7.56% | +441 bps | |
| Loan Growth (YoY) | -23.95% | -30.67% | -38.26% | -40.83% | -39.68% | -21.73% | -26.94% | -24.64% | +1,619 bps | |
| Share Growth (YoY) | -7.63% | -7.10% | -14.91% | -16.81% | -17.41% | -12.26% | -8.11% | 6.94% | +2,376 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.00% | 1.51% | 3.79% | 10.49% | 21.88% | 21.36% | 22.13% | 21.59% | +1,110 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 | 3.83% | 4.71% | 5.35% | 3.89% | 3.01% | 2.73% | 3.39% | 7.30% | +341 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.45% | 25.07% | 27.32% | 28.21% | 28.28% | 27.62% | 28.82% | 17.40% | -1,081 bps | |
| Net Worth / Assets | 24.45% | 25.07% | 27.32% | 28.21% | 28.28% | 27.62% | 28.82% | 17.40% | -1,081 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.28% | 31.62% | 32.28% | 29.01% | 26.50% | 28.21% | 25.66% | 20.44% | -857 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |