PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bank of Rochester, The

Rochester, MI · Cert 35010

FDIC

Q1 2001

$24.4MAssets
$22.0MLoans
$20.8MDeposits
$3.3MEquity
Deposit mix
94%Interest-bearing $19.5M6%Noninterest $1.3MQ3 1999Q1 2001

Executive Summary

  • Earnings: ROA of 0.21%, up 52 bps year over year; NIM at 4.64%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 105.49% of deposits as of Q1 2001.

Return on Assets (YTD, annualized)

0.21%+52 bps YoY

Net Interest Margin (YTD, annualized)

4.64%
n/a

Efficiency Ratio (YTD, annualized)

93.45%
n/a

Tier 1 Leverage Ratio

n/a
n/a

NIM

Non-interest income vs. expense

Year to date, annualized, through each quarter.

MetricQ3 1999Q4 1999Q1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets-2.64%-2.46%-0.31%0.02%0.12%0.14%0.21%+52 bps
Return on Equityn/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/a4.64%n/an/a
Efficiency Ration/an/an/an/an/an/a93.45%n/an/a
Non-Interest Burdenn/an/an/an/an/an/a4.34%n/an/a
Growth
Asset Growth (YoY)n/an/an/an/a226%97.40%51.77%n/a
Loan Growth (YoY)n/an/an/an/a180.87%126.88%59.87%n/a
Deposit Growth (YoY)n/an/an/an/a402%123.42%69.36%n/a
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/a0.00%n/an/a
Allowance / Loansn/an/an/an/an/an/a1.08%n/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/a17.07%n/an/a
Equity / Assetsn/an/an/an/an/an/a13.52%n/an/a
Liquidity & Funding
Loans / Deposits139.17%90.94%111.75%83.09%77.82%92.35%105.49%-626 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%6.04%+604 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/a