PackageTrendsPeer
Letter portraitLegal landscape

Samaritan Hospital Employees

Troy, NY · Charter 22555

Q4 2001

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 2001, the quarter ended December 31, 2001, 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: NCUA 5300 Call Report, 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

Samaritan Hospital Employees

Troy, NY · Charter 22555

Q4 2001

$953KAssets
$630KLoans
$804KShares
$149KNet Worth

Executive Summary

  • Earnings: ROA of -0.92%, down 89 bps year over year; NIM at 6.06%.
  • Asset quality: problem loans at 0.75% of loans (-179 bps YoY).
  • Capital: net worth / assets of 15.62%.
  • Funding: loans stand at 78.36% of shares as of Q4 2001.

Return on Assets (YTD, annualized)

-0.92%-89 bps YoY

Net Interest Margin (YTD, annualized)

6.06%+73 bps YoY

Efficiency Ratio (YTD, annualized)

92.82%-434 bps YoY

Net Worth / Assets

15.62%

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets3.20%3.06%2.24%-0.03%0.06%0.58%-0.79%-0.92%-89 bps
Return on Equityn/an/an/an/an/a3.50%-5.57%-5.86%n/a
Net Interest Marginn/an/an/a5.33%4.80%6.18%5.07%6.06%+73 bps
Efficiency Ration/an/an/a97.15%96.52%85.92%96.83%92.82%-434 bps
Growth
Asset Growth (YoY)3.06%4.96%4.71%-5.04%-1.26%-10.54%-8.44%-1.66%+338 bps
Loan Growth (YoY)7.85%2.00%-10.42%-12.16%-10.86%-10.61%-3.69%1.98%+1,414 bps
Share Growth (YoY)1.49%4.69%4.54%-6.46%-1.58%-12.90%-9.75%-1.45%+501 bps
Asset Quality
Delinquent Loans / Loans1.27%3.01%2.79%2.54%2.16%1.90%0.67%0.75%-179 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.39%0.72%0.94%0.89%1.03%1.20%1.05%0.97%+8 bps
Capital
Risk-Based Capitaln/an/an/an/an/a16.69%14.18%15.62%n/a
Net Worth / Assetsn/an/an/an/an/a16.69%14.18%15.62%n/a
Liquidity & Funding
Loans / Shares70.95%73.76%57.57%75.72%64.26%75.70%61.44%78.36%+264 bps
Liquid Assets / Assets28.98%32.29%46.53%15.48%8.87%35.37%45.93%32.45%+1,696 bps