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Middletown Savings Bank

Middletown, NY · Cert 16005

FDIC

Q1 1998

$753.0MAssets
$396.7MLoans
$670.9MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.38%, down 11 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 59.12% of deposits as of Q1 1998.

Return on Assets (YTD, annualized)

0.38%-11 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997Q4 1997Q1 1998YoY ΔTrend
Earnings
Return on Assets0.48%0.16%0.26%0.49%0.52%0.57%0.31%0.38%-11 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)81.95%84.46%80.78%-6.23%-3.33%-8.74%-6.75%-6.98%-76 bps
Loan Growth (YoY)19.09%22.95%20.68%19.86%17.59%13.94%15.65%15.59%-427 bps
Deposit Growth (YoY)104.37%101.72%86.14%-6.74%-4.08%-8.75%-8.31%-8.87%-213 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 / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
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 Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits39.44%42.99%45.42%46.61%48.35%53.69%57.28%59.12%+1,251 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a