Niagara Falls, NY · Charter 7890
Q1 2007
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 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.89% | -1.54% | -1.18% | 0.39% | 0.55% | 0.61% | -5.41% | 0.10% | -30 bps | |
| Return on Equity | 6.77% | -12.81% | -9.61% | 3.06% | 4.15% | 4.14% | -48.70% | 0.72% | -234 bps | |
| Net Interest Margin | 3.60% | 3.62% | 3.71% | 3.37% | 3.58% | 4.03% | 4.49% | 4.47% | +110 bps | |
| Efficiency Ratio | 75.59% | 77.65% | 79.75% | 88.51% | 84.94% | 85.00% | 84.06% | 97.89% | +938 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.79% | -10.09% | -7.49% | -9.31% | -10.63% | -16.18% | -25.60% | -35.50% | -2,618 bps | |
| Loan Growth (YoY) | -12.51% | -18.41% | -13.60% | -10.70% | -14.16% | -8.73% | -8.92% | -20.03% | -933 bps | |
| Share Growth (YoY) | -10.70% | -10.45% | -7.53% | -9.60% | -10.96% | -19.17% | -24.76% | -35.83% | -2,623 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.48% | 3.82% | 0.24% | 0.35% | 1.05% | 0.43% | 2.93% | 0.00% | -35 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 | 1.36% | 4.95% | 2.92% | 3.02% | 3.24% | 3.29% | 13.68% | 15.26% | +1,224 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.09% | 12.04% | 12.28% | 12.88% | 13.19% | 14.83% | 11.10% | 13.35% | +47 bps | |
| Net Worth / Assets | 13.09% | 12.04% | 12.28% | 12.88% | 13.19% | 14.83% | 11.10% | 13.35% | +47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.15% | 58.58% | 56.94% | 58.88% | 57.99% | 66.15% | 68.93% | 73.37% | +1,450 bps | |
| Liquid Assets / Assets | 47.64% | 50.21% | 50.72% | 49.49% | 0.00% | 0.00% | 0.00% | 0.00% | -4,949 bps | |