Troy, NY · Cert 16073
FDIC
Q4 2003
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.16% | 1.17% | 1.13% | 1.12% | 1.11% | 1.11% | 1.10% | 0.98% | -15 bps | |
| Return on Equity | 9.02% | 9.50% | 9.62% | 9.49% | 9.18% | 9.19% | 9.34% | 8.17% | -132 bps | |
| Net Interest Margin | 3.85% | 3.85% | 3.78% | 3.77% | 3.79% | 3.79% | 3.66% | 3.68% | -10 bps | |
| Efficiency Ratio | 56.79% | 56.85% | 57.09% | 57.93% | 59.18% | 59.34% | 61.61% | 64.08% | +615 bps | |
| Non-Interest Burden | 1.95% | 1.92% | 1.88% | 1.92% | 1.98% | 1.99% | 2.02% | 2.13% | +21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.29% | 1.68% | 5.78% | 0.95% | 3.21% | 3.65% | -0.09% | 0.61% | -34 bps | |
| Loan Growth (YoY) | 0.58% | -1.08% | 0.45% | 2.22% | 2.97% | 0.69% | -0.69% | -3.35% | -557 bps | |
| Deposit Growth (YoY) | 0.60% | 0.86% | 1.62% | 1.33% | 0.86% | -0.20% | 1.19% | 2.04% | +71 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 | 0.15% | 0.13% | 0.12% | 0.10% | 0.06% | 0.06% | 0.06% | 0.08% | -1 bps | |
| Allowance / Loans | 1.90% | 1.89% | 1.90% | 1.87% | 1.87% | 1.90% | 1.93% | 1.94% | +7 bps | |
| 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 | 15.43% | 12.78% | 13.62% | 14.08% | 14.20% | 14.24% | 14.54% | 15.38% | +130 bps | |
| Equity / Assets | 12.84% | 11.26% | 10.34% | 12.07% | 12.17% | 12.05% | 11.07% | 12.40% | +32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.00% | 93.84% | 93.13% | 96.18% | 96.99% | 94.68% | 91.40% | 91.11% | -508 bps | |
| Liquid Assets / Assets | 0.13% | 0.18% | 0.69% | 0.14% | 0.10% | 0.25% | 5.18% | 5.32% | +518 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |