Avoca, NY · Cert 581
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.
Avoca, NY · Cert 581
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 | -0.20% | -0.46% | -0.42% | -0.14% | -0.34% | -0.42% | -0.47% | -1.24% | -110 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | -16.20% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 3.90% | 3.59% | 3.61% | 3.53% | 3.31% | -58 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 100.92% | 105.91% | 107.88% | 108.89% | 120.35% | +1,943 bps | |
| Non-Interest Burden | n/a | n/a | n/a | 3.94% | 3.85% | 3.94% | 3.89% | 4.09% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.83% | 6.14% | -2.51% | 0.11% | 2.50% | 6.76% | 3.77% | 2.02% | +191 bps | |
| Loan Growth (YoY) | 3.18% | -4.99% | -9.95% | -9.53% | -3.86% | -1.18% | 5.44% | 1.16% | +1,069 bps | |
| Deposit Growth (YoY) | 7.79% | 6.90% | -2.87% | 0.00% | 2.68% | 7.31% | 4.51% | 3.56% | +356 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 | n/a | n/a | n/a | -0.04% | -0.06% | 0.19% | 0.16% | 0.15% | +19 bps | |
| Allowance / Loans | n/a | n/a | n/a | 0.89% | 0.90% | 0.79% | 0.81% | 0.95% | +7 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 | n/a | n/a | n/a | 18.69% | 17.64% | 17.49% | 16.44% | 16.17% | -252 bps | |
| Equity / Assets | n/a | n/a | n/a | 8.69% | 8.33% | 8.26% | 7.90% | 7.44% | -125 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.66% | 68.96% | 66.30% | 64.72% | 65.22% | 63.50% | 66.89% | 63.22% | -150 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 8.00% | 6.98% | 4.86% | 5.09% | 4.88% | -312 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |