Albany, NY · Cert 35318
FDIC
Q1 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2002, the quarter ended March 31, 2002, 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 35318
FDIC
Q1 2002
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 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.87% | 0.73% | 0.61% | 0.16% | 0.24% | 0.56% | 0.71% | 1.23% | +107 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 8.76% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 0.67% | 0.82% | 1.75% | 1.79% | 2.45% | +178 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 60.35% | 54.55% | 34.72% | 29.48% | 20.27% | -4,008 bps | |
| Non-Interest Burden | n/a | n/a | n/a | 0.40% | 0.45% | 0.61% | 0.53% | 0.50% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.04% | -3.70% | 8.93% | 58.91% | 5.49% | 0.50% | -4.15% | -45.71% | -10,462 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | 28.81% | -0.20% | 15.72% | 72.67% | 7.80% | -1.14% | -7.72% | -50.48% | -12,315 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | 0.00% | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | 0.00% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | 0.00% | n/a | |
| 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 | n/a | n/a | n/a | 29.77% | 43.13% | 50.54% | 46.21% | 56.59% | +2,683 bps | |
| Equity / Assets | n/a | n/a | n/a | 7.80% | 12.74% | 15.98% | 12.64% | 15.89% | +809 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | 0.00% | 0.04% | 0.04% | 0.17% | 0.22% | +22 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 2.20% | 3.61% | 3.96% | 3.08% | 3.80% | +160 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |