Ellenville, NY · Cert 17703
FDIC
Q4 2003
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Ellenville, NY · Cert 17703
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 | 1.17% | 1.17% | 1.21% | 1.29% | 1.12% | 1.20% | 1.24% | 1.26% | -3 bps | |
| Return on Equity | 13.67% | 13.35% | 13.68% | 14.49% | 12.47% | 13.46% | 14.25% | 14.82% | +33 bps | |
| Net Interest Margin | 4.84% | 4.85% | 4.77% | 4.72% | 4.85% | 4.69% | 4.59% | 4.53% | -20 bps | |
| Efficiency Ratio | 64.28% | 63.75% | 63.48% | 62.94% | 66.55% | 63.91% | 62.70% | 61.72% | -122 bps | |
| Non-Interest Burden | 2.79% | 2.78% | 2.72% | 2.66% | 2.97% | 2.73% | 2.62% | 2.54% | -13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.04% | 9.55% | 13.40% | 10.33% | 12.34% | 15.15% | 16.72% | 16.63% | +631 bps | |
| Loan Growth (YoY) | 17.63% | 17.03% | 14.79% | 16.35% | 15.30% | 15.68% | 15.71% | 19.09% | +274 bps | |
| Deposit Growth (YoY) | 12.99% | 8.97% | 13.19% | 9.21% | 11.17% | 15.15% | 18.09% | 17.04% | +783 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 | 0.06% | 0.16% | 0.13% | 0.11% | 0.08% | 0.04% | 0.06% | 0.08% | -2 bps | |
| Allowance / Loans | 1.24% | 1.23% | 1.26% | 1.25% | 1.25% | 1.25% | 1.25% | 1.25% | 0 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 | 14.33% | 14.17% | 14.09% | 14.10% | 13.87% | 13.37% | 13.02% | 12.45% | -165 bps | |
| Equity / Assets | 8.44% | 9.07% | 9.21% | 9.06% | 8.83% | 8.77% | 8.19% | 7.67% | -139 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.88% | 65.42% | 64.38% | 66.21% | 65.21% | 65.73% | 63.08% | 67.36% | +116 bps | |
| Liquid Assets / Assets | 3.09% | 2.96% | 2.49% | 2.35% | 1.71% | 1.37% | 1.60% | 1.54% | -81 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |