PackageTrendsPeer
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Oswego County Savings Bank

Oswego, NY · Cert 15978

FDIC

Q3 2006

$218.9MAssets
$150.4MLoans
$173.1MDeposits
$18.7MEquity
Loan mix
77%RE $72.7M20%C&I $19.0M3%Consumer $2.9MQ4 2004Q3 2006
Deposit mix
81%Interest-bearing $139.5M19%Noninterest $33.6MQ4 2004Q3 2006

Executive Summary

  • Earnings: ROA of 0.29%, down 37 bps year over year; NIM at 3.45%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.84%.
  • Funding: loans stand at 86.91% of deposits as of Q3 2006.

Return on Assets (YTD, annualized)

0.29%-37 bps YoY

Net Interest Margin (YTD, annualized)

3.45%+12 bps YoY

Efficiency Ratio (YTD, annualized)

79.49%-90 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

4.62%Q3 ’044.86%Q3 ’055.51%Q3 ’06+3%+4%

Non-interest income vs. expense

3.78%Q3 ’043.75%Q3 ’053.81%Q3 ’06+6%+2%

Year to date, annualized, through each quarter.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets0.66%0.46%0.63%0.66%0.64%0.60%0.62%0.29%-37 bps
Return on Equity5.71%4.01%6.03%6.70%6.79%7.29%7.57%3.47%-323 bps
Net Interest Margin3.26%3.24%3.33%3.33%3.29%3.37%3.35%3.45%+12 bps
Efficiency Ratio79.56%83.25%80.56%80.39%81.17%79.88%79.62%79.49%-90 bps
Non-Interest Burden2.29%2.46%2.42%2.41%2.43%2.42%2.38%2.46%+5 bps
Growth
Asset Growth (YoY)2.99%4.66%-0.23%5.19%3.07%1.91%5.60%-3.56%-876 bps
Loan Growth (YoY)12.88%10.90%14.76%13.88%10.83%13.82%8.84%2.23%-1,165 bps
Deposit Growth (YoY)-0.64%3.84%4.01%9.01%13.77%9.00%6.57%-4.77%-1,377 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.29%0.37%0.29%0.32%0.32%0.15%0.19%0.84%+51 bps
Allowance / Loans1.00%1.01%0.99%0.93%0.92%0.95%0.96%0.99%+6 bps
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 Capital18.93%18.91%13.21%12.92%13.07%13.58%13.40%13.36%+44 bps
Equity / Assets11.66%11.44%8.24%7.93%8.07%8.26%8.12%8.52%+60 bps
Liquidity & Funding
Loans / Deposits84.51%80.42%81.18%80.97%82.32%83.98%82.91%86.91%+594 bps
Liquid Assets / Assets3.09%6.02%3.69%6.02%3.52%3.99%4.36%2.40%-362 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a