Cohoes Savings Bank

Cohoes, NY · Cert 15999

FDIC

Q1 2001

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2

Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2001, the quarter ended March 31, 2001, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Cohoes, NY · Cert 15999

FDIC

Q1 2001

$702.8MAssets

$627.2MLoans

$508.2MDeposits

$104.4MEquity

Loan mix

Deposit mix

Earnings: ROA of 1.06%, up 26 bps year over year; NIM at 3.79%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
Funding: loans stand at 123.42% of deposits as of Q1 2001.

Return on Assets (YTD, annualized)

1.06%+26 bps YoY

Net Interest Margin (YTD, annualized)

3.79%

n/a

Efficiency Ratio (YTD, annualized)

57.53%

n/a

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1999	Q3 1999	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	YoY Δ	Trend
Earnings
Return on Assets	0.78%	0.80%	0.72%	0.80%	0.81%	0.83%	0.82%	1.06%	+26 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	n/a	n/a	3.79%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	57.53%	n/a	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	n/a	n/a	1.94%	n/a	n/a
Growth
Asset Growth (YoY)	21.28%	22.74%	-1.05%	12.10%	11.78%	9.13%	3.78%	-0.07%	-1,217 bps
Loan Growth (YoY)	26.30%	27.80%	21.54%	17.96%	15.17%	12.11%	10.07%	8.62%	-934 bps
Deposit Growth (YoY)	-0.16%	1.51%	-7.93%	14.40%	10.29%	9.31%	2.20%	1.88%	-1,252 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	0.01%	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	0.93%	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	21.57%	n/a	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	14.86%	n/a	n/a
Liquidity & Funding
Loans / Deposits	113.79%	119.25%	116.66%	115.77%	118.82%	122.31%	125.64%	123.42%	+766 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	3.93%	+393 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a