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Ellenville National Bank

Ellenville, NY · Cert 17703

FDIC

Q4 2003

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: Q4 2003, the quarter ended December 31, 2003, 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: FFIEC Call Report (031/041/051), 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

Ellenville National Bank

Ellenville, NY · Cert 17703

FDIC

Q4 2003

$361.8MAssets
$219.9MLoans
$326.4MDeposits
$27.8MEquity
Loan mix
48%RE $33.3M52%C&I $36.4M0%Consumer $0.3MQ4 2002Q4 2003
Deposit mix
74%Interest-bearing $240.0M26%Noninterest $86.4MQ4 2002Q4 2003

NIM

6.83%Q4 ’016.14%Q4 ’025.62%Q4 ’03+6%-4%

Non-interest income vs. expense

3.39%Q4 ’013.50%Q4 ’023.21%Q4 ’03+12%-5%

Executive Summary

  • Earnings: ROA of 1.26%, down 3 bps year over year; NIM at 4.53%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.08%.
  • Funding: loans stand at 67.36% of deposits as of Q4 2003.

Financial Results

Return on Assets (YTD, annualized)

1.26%-3 bps YoY

Net Interest Margin (YTD, annualized)

4.53%-20 bps YoY

Efficiency Ratio (YTD, annualized)

61.72%-122 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2002Q1 2003Q2 2003Q3 2003Q4 2003YoY ΔTrend
Earnings
Return on Assets1.29%1.12%1.20%1.24%1.26%-3 bps
Return on Equity14.49%12.47%13.46%14.25%14.82%+33 bps
Net Interest Margin4.72%4.85%4.69%4.59%4.53%-20 bps
Efficiency Ratio62.94%66.55%63.91%62.70%61.72%-122 bps
Non-Interest Burden2.66%2.97%2.73%2.62%2.54%-13 bps
Growth
Asset Growth (YoY)10.33%12.34%15.15%16.72%16.63%+631 bps
Loan Growth (YoY)16.35%15.30%15.68%15.71%19.09%+274 bps
Deposit Growth (YoY)9.21%11.17%15.15%18.09%17.04%+783 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.11%0.08%0.04%0.06%0.08%-2 bps
Allowance / Loans1.25%1.25%1.25%1.25%1.25%0 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital14.10%13.87%13.37%13.02%12.45%-165 bps
Equity / Assets9.06%8.83%8.77%8.19%7.67%-139 bps
Liquidity & Funding
Loans / Deposits66.21%65.21%65.73%63.08%67.36%+116 bps
Liquid Assets / Assets2.35%1.71%1.37%1.60%1.54%-81 bps
CRE / Total Capitaln/an/an/an/an/an/an/a