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Cohoes Savings Bank

Cohoes, NY · Cert 15999

FDIC

Q1 2001

$702.8MAssets
$627.2MLoans
$508.2MDeposits
$104.4MEquity
Loan mix
91%RE $430.1M9%C&I $42.2M0%Consumer $0.3MQ1 2000Q1 2001
Deposit mix
88%Interest-bearing $448.7M12%Noninterest $59.4MQ1 2000Q1 2001

NIM

Non-interest income vs. expense

Executive Summary

  • 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.

Financial Results

Return on Assets (quarter, annualized)

1.06%+26 bps YoY

Net Interest Margin (quarter, annualized)

3.79%

Efficiency Ratio (quarter, annualized)

57.53%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets0.80%0.81%0.83%0.82%1.06%+26 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a3.79%n/an/a
Efficiency Ration/an/an/an/a57.53%n/an/a
Non-Interest Burdenn/an/an/an/a1.94%n/an/a
Growth
Asset Growth (YoY)12.10%11.78%9.13%3.78%-0.07%-1,217 bps
Loan Growth (YoY)17.96%15.17%12.11%10.07%8.62%-934 bps
Deposit Growth (YoY)14.40%10.29%9.31%2.20%1.88%-1,252 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a0.01%n/an/a
Allowance / Loansn/an/an/an/a0.93%n/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/a21.57%n/an/a
Equity / Assetsn/an/an/an/a14.86%n/an/a
Liquidity & Funding
Loans / Deposits115.77%118.82%122.31%125.64%123.42%+766 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%3.93%+393 bps
CRE / Total Capitaln/an/an/an/an/an/an/a