Niagara Falls, NY · Charter 777
Q1 2013
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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.81% | -1.11% | -0.84% | -1.46% | -2.08% | -1.74% | -9.28% | 1.37% | +284 bps | |
| Return on Equity | -4.62% | -6.09% | -4.73% | -8.16% | -12.14% | -10.08% | -82.61% | 12.22% | +2,039 bps | |
| Net Interest Margin | 4.16% | 4.33% | 4.21% | 3.83% | 3.83% | 3.88% | 4.30% | 3.40% | -43 bps | |
| Efficiency Ratio | 119.24% | 125.34% | 119.75% | 137.44% | 153.62% | 144.41% | 143.39% | 112.40% | -2,503 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.00% | -4.19% | 5.50% | -1.26% | -6.24% | -2.37% | -13.39% | -7.81% | -655 bps | |
| Loan Growth (YoY) | -34.67% | -30.29% | -24.24% | -18.80% | 0.62% | 8.81% | 2.55% | -1.41% | +1,738 bps | |
| Share Growth (YoY) | 2.43% | -3.38% | 8.40% | -0.01% | -5.33% | -0.78% | -5.99% | -0.25% | -24 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.09% | 6.95% | 8.97% | 6.37% | 5.47% | 6.70% | 0.00% | 0.00% | -637 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 | 1.30% | 1.27% | 1.39% | 1.45% | 1.29% | 1.17% | 8.20% | 7.79% | +634 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.48% | 18.19% | 17.76% | 17.94% | 17.17% | 17.29% | 11.23% | 11.22% | -672 bps | |
| Net Worth / Assets | 17.48% | 18.19% | 17.76% | 17.94% | 17.17% | 17.29% | 11.23% | 11.22% | -672 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.55% | 57.63% | 50.89% | 50.41% | 55.85% | 63.20% | 55.51% | 49.82% | -59 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |