PackageTrendsPeer
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Twin City P O

N. Tonawanda, NY · Charter 11218

Q2 2007

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2007, the quarter ended June 30, 2007, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Twin City P O

N. Tonawanda, NY · Charter 11218

Q2 2007

$1.9MAssets
$1.4MLoans
$1.6MShares
$246KNet Worth

Executive Summary

  • Earnings: ROA of 0.96%, up 57 bps year over year; NIM at 4.16%.
  • Asset quality: problem loans at 5.54% of loans (+426 bps YoY).
  • Capital: net worth / assets of 13.31%, up 58 bps from a year ago.
  • Funding: loans stand at 85.70% of shares as of Q2 2007.

Return on Assets (YTD, annualized)

0.96%+57 bps YoY

Net Interest Margin (YTD, annualized)

4.16%+32 bps YoY

Efficiency Ratio (YTD, annualized)

78.05%-1,198 bps YoY

Net Worth / Assets

13.31%+58 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006Q4 2006Q1 2007Q2 2007YoY ΔTrend
Earnings
Return on Assets0.50%0.53%0.38%0.39%0.42%0.39%1.22%0.96%+57 bps
Return on Equity3.94%4.15%3.05%3.06%3.27%3.01%9.18%7.22%+415 bps
Net Interest Margin3.95%3.97%3.63%3.85%3.83%3.83%4.51%4.16%+32 bps
Efficiency Ratio87.99%87.24%90.12%90.03%89.29%89.05%74.19%78.05%-1,198 bps
Growth
Asset Growth (YoY)-11.92%-9.67%0.49%-0.77%1.34%1.18%-2.91%0.75%+152 bps
Loan Growth (YoY)-7.80%-9.66%-5.00%2.48%0.25%0.63%0.32%-1.67%-415 bps
Share Growth (YoY)-13.84%-11.47%-0.01%-1.47%1.04%0.84%-3.96%-0.05%+142 bps
Asset Quality
Delinquent Loans / Loans1.72%3.27%0.52%1.28%2.76%4.78%5.45%5.54%+426 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.65%0.66%0.66%0.67%0.68%0.56%0.61%0.64%-3 bps
Capital
Risk-Based Capital12.59%12.76%12.35%12.73%12.89%13.00%13.32%13.31%+58 bps
Net Worth / Assets12.59%12.76%12.35%12.73%12.89%13.00%13.32%13.31%+58 bps
Liquidity & Funding
Loans / Shares88.12%86.20%82.69%87.11%87.42%86.02%86.38%85.70%-142 bps
Liquid Assets / Assets20.67%22.40%25.28%0.00%0.00%0.00%0.00%0.00%0 bps