PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Rochester Community SB

Rochester, NY · Cert 16034

FDIC

Q3 1997

$4.1BAssets
$2.3BLoans
$2.6BDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.75%, down 33 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 88.25% of deposits as of Q3 1997.

Return on Assets (YTD, annualized)

0.75%-33 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ4 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997YoY ΔTrend
Earnings
Return on Assets1.27%1.18%1.10%1.08%1.05%0.78%0.85%0.75%-33 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)10.99%18.56%6.53%4.45%7.71%-1.58%0.76%2.40%-206 bps
Loan Growth (YoY)5.46%7.65%-0.24%0.14%4.11%3.35%9.53%15.82%+1,568 bps
Deposit Growth (YoY)9.22%12.45%11.29%9.75%5.12%1.35%-1.71%4.37%-537 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits81.93%80.95%79.97%79.53%81.14%82.55%89.11%88.25%+872 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a