PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Hudson River Commercial Bank

Cohoes, NY · Cert 57474

FDIC

Q4 2004

$37.0MAssets
n/aLoans
$20.2MDeposits
$4.4MEquity
Deposit mix
96%Interest-bearing $19.4M4%Noninterest $0.8MQ1 2003Q4 2004

Executive Summary

  • Earnings: ROA of 1.08%, up 58 bps year over year; NIM at 1.88%.
  • Funding: loans stand at 0.00% of deposits as of Q4 2004.

Return on Assets (YTD, annualized)

1.08%+58 bps YoY

Net Interest Margin (YTD, annualized)

1.88%+57 bps YoY

Efficiency Ratio (YTD, annualized)

20.79%-2,007 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

0.50%Q4 ’022.48%Q4 ’032.90%Q4 ’04+180%+44%

Non-interest income vs. expense

0.00%Q4 ’020.54%Q4 ’030.39%Q4 ’04-27%

Year to date, annualized, through each quarter.

MetricQ1 2003Q2 2003Q3 2003Q4 2003Q1 2004Q2 2004Q3 2004Q4 2004YoY ΔTrend
Earnings
Return on Assets0.29%0.43%0.38%0.49%1.20%1.10%1.09%1.08%+58 bps
Return on Equity4.53%5.19%4.61%5.65%9.94%9.87%9.99%9.70%+405 bps
Net Interest Margin1.17%1.26%1.33%1.31%1.72%1.91%1.79%1.88%+57 bps
Efficiency Ratio50.91%44.93%46.18%40.86%21.02%21.23%20.68%20.79%-2,007 bps
Non-Interest Burden0.60%0.56%0.61%0.54%0.36%0.41%0.37%0.39%-14 bps
Growth
Asset Growth (YoY)n/an/an/a0.10%-10.76%66.76%8.30%31.82%+3,172 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/a1786%107.82%135.09%45.45%23.55%-176,261 bps
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital12.39%32.51%19.69%55.96%64.41%51.29%53.37%60.22%+427 bps
Equity / Assets5.70%12.93%8.25%11.05%12.95%9.71%10.42%11.77%+72 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a