Montgomery, NY · Charter 14984
Q3 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2008, the quarter ended September 30, 2008, 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.
Montgomery, NY · Charter 14984
Q3 2008
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.07% | 0.25% | 0.28% | 0.23% | -3.20% | -0.14% | -0.01% | 0.02% | -20 bps | |
| Return on Equity | 0.50% | 2.04% | 2.47% | 1.81% | -34.60% | -1.58% | -0.12% | 0.25% | -156 bps | |
| Net Interest Margin | 3.99% | 3.57% | 3.38% | 3.86% | 3.96% | 3.42% | 3.08% | 3.69% | -17 bps | |
| Efficiency Ratio | 92.65% | 84.01% | 87.91% | 89.03% | 191.02% | 98.18% | 97.58% | 95.98% | +695 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.88% | -11.20% | -3.08% | -5.07% | 4.81% | 5.90% | 2.42% | -3.28% | +179 bps | |
| Loan Growth (YoY) | 7.71% | 6.21% | 1.36% | 0.52% | -2.92% | -8.34% | -10.11% | -12.07% | -1,259 bps | |
| Share Growth (YoY) | -14.67% | -12.79% | -3.55% | -5.67% | 9.10% | 10.17% | 5.96% | -0.95% | +472 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.35% | 1.69% | 3.38% | 2.89% | 1.73% | 3.03% | 2.41% | 2.85% | -4 bps | |
| 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 | 0.03% | 0.40% | 0.40% | 0.10% | 0.18% | 0.29% | 0.30% | 0.41% | +30 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.06% | 12.34% | 11.15% | 12.47% | 9.26% | 8.58% | 7.98% | 9.47% | -300 bps | |
| Net Worth / Assets | 13.06% | 12.34% | 11.15% | 12.47% | 9.26% | 8.58% | 7.98% | 9.47% | -300 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.76% | 65.46% | 57.44% | 65.77% | 62.97% | 54.46% | 48.73% | 58.38% | -739 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |