Nyack Hospital Employees

Nyack, NY · Charter 23608

Q4 1997

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 1997, the quarter ended December 31, 1997, 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.

Nyack, NY · Charter 23608

Q4 1997

$1.6MAssets

$951KLoans

$1.6MShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.40%+41 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1994	Q4 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	YoY Δ	Trend
Earnings
Return on Assets	1.80%	2.03%	2.39%	1.99%	0.17%	0.77%	2.34%	2.40%	+41 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	n/a	n/a	n/a	n/a	11.88%	5.91%	2.60%	-0.69%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	80.12%	24.09%	-1.53%	-10.77%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	14.73%	9.64%	5.37%	1.17%	n/a
Asset Quality
Delinquent Loans / Loans	1.81%	1.60%	0.69%	3.00%	2.78%	4.60%	2.99%	4.66%	+167 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.70%	1.12%	1.23%	1.91%	2.67%	5.80%	3.30%	5.93%	+402 bps
Capital
Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Worth / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquidity & Funding
Loans / Shares	38.48%	63.04%	61.67%	69.29%	60.42%	71.34%	57.63%	61.11%	-818 bps
Liquid Assets / Assets	18.59%	18.89%	19.51%	4.44%	17.52%	16.67%	13.75%	25.58%	+2,114 bps