E. Rochester, NY · Charter 24248
Q4 2001
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
E. Rochester, NY · Charter 24248
Q4 2001
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.38% | 0.56% | 0.62% | 0.70% | 0.60% | 0.80% | 0.74% | -0.51% | -120 bps | |
| Return on Equity | n/a | n/a | n/a | 7.86% | 6.86% | 9.13% | 8.08% | -5.70% | -1,357 bps | |
| Net Interest Margin | 3.57% | 3.54% | 3.73% | 3.68% | 3.49% | 3.45% | 3.59% | 4.05% | +37 bps | |
| Efficiency Ratio | 92.80% | 89.28% | 88.82% | 87.58% | 89.05% | 85.39% | 86.22% | 93.79% | +622 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.07% | 9.12% | 2.12% | 0.66% | 2.75% | 3.40% | 4.42% | -5.82% | -648 bps | |
| Loan Growth (YoY) | 10.31% | 11.27% | 9.22% | -0.59% | -1.01% | -7.44% | -10.10% | -4.19% | -360 bps | |
| Share Growth (YoY) | 13.52% | 12.71% | 0.68% | -0.16% | 1.61% | 2.71% | 5.07% | -5.82% | -566 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.09% | 0.12% | 0.08% | 0.17% | 0.07% | 0.11% | 0.13% | 0.19% | +2 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 | 0.89% | 0.87% | 0.78% | 0.82% | 0.77% | 0.78% | 0.69% | 1.65% | +83 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | 8.86% | 8.69% | 8.74% | 9.16% | 8.90% | +4 bps | |
| Net Worth / Assets | n/a | n/a | n/a | 8.86% | 8.69% | 8.74% | 9.16% | 8.90% | +4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.81% | 96.40% | 105.77% | 97.37% | 93.33% | 86.87% | 90.50% | 99.06% | +169 bps | |
| Liquid Assets / Assets | 0.98% | 1.29% | 0.83% | 9.98% | 14.08% | 19.91% | 16.42% | 9.99% | +1 bps | |