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Troy Savings Bank, The

Troy, NY · Cert 16073

FDIC

Q4 2003

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: Q4 2003, the quarter ended December 31, 2003, on both parts.

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

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Troy Savings Bank, The

Troy, NY · Cert 16073

FDIC

Q4 2003

$1.1BAssets
$753.5MLoans
$827.1MDeposits
$134.7MEquity
Loan mix
80%RE $357.4M20%C&I $87.5M0%Consumer $1.0MQ4 2002Q4 2003
Deposit mix
98%Interest-bearing $813.2M2%Noninterest $13.9MQ4 2002Q4 2003

NIM

6.65%Q4 ’015.86%Q4 ’025.18%Q4 ’03+4%-3%

Non-interest income vs. expense

2.52%Q4 ’012.56%Q4 ’022.77%Q4 ’03-5%+11%

Executive Summary

  • Earnings: ROA of 0.98%, down 15 bps year over year; NIM at 3.68%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.08%.
  • Funding: loans stand at 91.11% of deposits as of Q4 2003.

Financial Results

Return on Assets (YTD, annualized)

0.98%-15 bps YoY

Net Interest Margin (YTD, annualized)

3.68%-10 bps YoY

Efficiency Ratio (YTD, annualized)

64.08%+615 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2002Q1 2003Q2 2003Q3 2003Q4 2003YoY ΔTrend
Earnings
Return on Assets1.12%1.11%1.11%1.10%0.98%-15 bps
Return on Equity9.49%9.18%9.19%9.34%8.17%-132 bps
Net Interest Margin3.77%3.79%3.79%3.66%3.68%-10 bps
Efficiency Ratio57.93%59.18%59.34%61.61%64.08%+615 bps
Non-Interest Burden1.92%1.98%1.99%2.02%2.13%+21 bps
Growth
Asset Growth (YoY)0.95%3.21%3.65%-0.09%0.61%-34 bps
Loan Growth (YoY)2.22%2.97%0.69%-0.69%-3.35%-557 bps
Deposit Growth (YoY)1.33%0.86%-0.20%1.19%2.04%+71 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.10%0.06%0.06%0.06%0.08%-1 bps
Allowance / Loans1.87%1.87%1.90%1.93%1.94%+7 bps
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 Capital14.08%14.20%14.24%14.54%15.38%+130 bps
Equity / Assets12.07%12.17%12.05%11.07%12.40%+32 bps
Liquidity & Funding
Loans / Deposits96.18%96.99%94.68%91.40%91.11%-508 bps
Liquid Assets / Assets0.14%0.10%0.25%5.18%5.32%+518 bps
CRE / Total Capitaln/an/an/an/an/an/an/a