Schenectady, NY · Cert 662
FDIC
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 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.
Schenectady, NY · Cert 662
FDIC
Q3 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 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.78% | 1.75% | 1.81% | 1.82% | 1.78% | 1.70% | 1.68% | 1.72% | -10 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 27.80% | 27.74% | 27.75% | n/a | |
| Net Interest Margin | n/a | 3.92% | 3.85% | 3.78% | 3.78% | 3.64% | 3.51% | 3.48% | -30 bps | |
| Efficiency Ratio | n/a | 42.10% | 43.58% | 43.45% | 44.35% | 43.02% | 42.87% | 41.82% | -163 bps | |
| Non-Interest Burden | n/a | 1.15% | 1.17% | 1.14% | 1.17% | 1.12% | 1.05% | 1.01% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.49% | 4.30% | 3.17% | 5.18% | 4.98% | 7.86% | 11.72% | 6.56% | +138 bps | |
| Loan Growth (YoY) | 8.30% | 13.72% | 13.53% | 12.89% | 10.19% | 2.62% | 0.76% | -2.88% | -1,577 bps | |
| Deposit Growth (YoY) | -0.18% | 0.49% | 0.75% | 4.31% | 4.48% | 7.79% | 11.26% | 9.53% | +523 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 | 0.25% | 0.22% | 0.24% | 0.25% | 0.28% | 0.27% | 0.35% | +11 bps | |
| Allowance / Loans | n/a | 3.83% | 3.79% | 3.65% | 3.65% | 3.68% | 3.65% | 3.59% | -6 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 | 13.07% | 12.73% | 12.78% | 12.75% | 12.57% | 12.61% | 13.20% | +41 bps | |
| Equity / Assets | n/a | 6.42% | 6.45% | 6.48% | 6.22% | 5.99% | 6.00% | 6.62% | +14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.31% | 73.75% | 75.07% | 74.64% | 74.16% | 70.21% | 67.99% | 66.18% | -846 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.02% | 0.01% | 0.02% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |