Cohoes, NY · Cert 57474
FDIC
Q4 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2004, the quarter ended December 31, 2004, 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.
Cohoes, NY · Cert 57474
FDIC
Q4 2004
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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.29% | 0.43% | 0.38% | 0.49% | 1.20% | 1.10% | 1.09% | 1.08% | +58 bps | |
| Return on Equity | 4.53% | 5.19% | 4.61% | 5.65% | 9.94% | 9.87% | 9.99% | 9.70% | +405 bps | |
| Net Interest Margin | 1.17% | 1.26% | 1.33% | 1.31% | 1.72% | 1.91% | 1.79% | 1.88% | +57 bps | |
| Efficiency Ratio | 50.91% | 44.93% | 46.18% | 40.86% | 21.02% | 21.23% | 20.68% | 20.79% | -2,007 bps | |
| Non-Interest Burden | 0.60% | 0.56% | 0.61% | 0.54% | 0.36% | 0.41% | 0.37% | 0.39% | -14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | 0.10% | -10.76% | 66.76% | 8.30% | 31.82% | +3,172 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) | n/a | n/a | n/a | 1786% | 107.82% | 135.09% | 45.45% | 23.55% | -176,261 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 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 | 12.39% | 32.51% | 19.69% | 55.96% | 64.41% | 51.29% | 53.37% | 60.22% | +427 bps | |
| Equity / Assets | 5.70% | 12.93% | 8.25% | 11.05% | 12.95% | 9.71% | 10.42% | 11.77% | +72 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |