Albany, NY · Cert 34105
FDIC
Q1 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2011, the quarter ended March 31, 2011, 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.
Albany, NY · Cert 34105
FDIC
Q1 2011
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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.27%1 | 0.31% | 0.33%1 | 0.46%1 | 0.47% | 0.48% | 0.51% | 0.16% | -30 bps | |
| Return on Equity | 3.27% | 3.76% | 4.07% | 6.02% | 6.10% | 6.11% | 6.34% | 1.84% | -418 bps | |
| Net Interest Margin | 2.74% | 2.70% | 2.70% | 3.19% | 3.27% | 3.27% | 3.41% | 3.59% | +40 bps | |
| Efficiency Ratio | 77.12% | 73.66% | 71.51% | 62.75% | 62.92% | 62.98% | 61.04% | 52.62% | -1,013 bps | |
| Non-Interest Burden | 2.08% | 1.96% | 1.90% | 1.98% | 2.02% | 2.04% | 2.05% | 1.85% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.55% | 13.51% | 15.29% | 11.14% | 6.58% | 1.35% | -9.16% | -9.12% | -2,026 bps | |
| Loan Growth (YoY) | 11.21% | 0.46% | -6.08% | -6.25% | -2.69% | -2.90% | -6.24% | -11.16% | -492 bps | |
| Deposit Growth (YoY) | 6.67% | 10.21% | 18.36% | 11.78% | 8.18% | 4.78% | -9.47% | -9.33% | -2,111 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 | 0.37% | 0.51% | 0.62% | 0.19% | 0.09% | 0.15% | 0.17% | 4.68% | +449 bps | |
| Allowance / Loans | 1.07% | 1.06% | 1.06% | 1.35% | 1.52% | 1.66% | 1.89% | 1.43% | +8 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 | 11.58% | 11.94% | 11.88% | 12.30% | 12.17% | 12.68% | 12.97% | 13.97% | +167 bps | |
| Equity / Assets | 8.21% | 7.96% | 7.45% | 7.76% | 8.14% | 8.32% | 8.66% | 8.97% | +122 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 103.41% | 97.33% | 89.30% | 89.77% | 93.02% | 90.20% | 92.49% | 87.95% | -182 bps | |
| Liquid Assets / Assets | 7.76% | 12.40% | 17.24% | 17.36% | 11.82% | 14.15% | 11.27% | 14.92% | -244 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |