Castorland, NY · Charter 21901
Q2 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2008, the quarter ended June 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.
Castorland, NY · Charter 21901
Q2 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 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.35% | 0.15% | 0.20% | -0.08% | -0.36% | 0.00% | -41.29% | 0.00% | +8 bps | |
| Return on Equity | 1.92% | 0.90% | 1.17% | -0.49% | -2.13% | 0.01% | -41.94% | n/a | n/a | |
| Net Interest Margin | 3.75% | 3.53% | 3.64% | 3.40% | 3.65% | 4.16% | 20.50% | 0.00% | -340 bps | |
| Efficiency Ratio | 113.70% | 115.91% | 100.92% | 102.27% | 106.08% | 100.99% | 188.23% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.41% | -2.65% | 3.21% | 9.71% | 5.74% | -5.88% | -84.16% | -99.91% | -10,963 bps | |
| Loan Growth (YoY) | -15.55% | -11.61% | -8.85% | -5.30% | -13.48% | -19.34% | -100.00% | -100.00% | -9,470 bps | |
| Share Growth (YoY) | -7.23% | -2.89% | 4.44% | 12.36% | 8.31% | -6.92% | -100.00% | -100.00% | -11,236 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.86% | 0.35% | 1.55% | 1.38% | 0.00% | 0.00% | n/a | n/a | n/a | |
| 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 | 1.49% | 1.48% | 1.70% | 1.68% | 1.68% | 1.68% | n/a | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 18.08% | 16.98% | 17.28% | 16.11% | 16.73% | 18.04% | 98.46% | 0.00% | -1,611 bps | |
| Net Worth / Assets | 18.08% | 16.98% | 17.28% | 16.11% | 16.73% | 18.04% | 98.46% | 0.00% | -1,611 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.22% | 37.33% | 37.26% | 34.10% | 32.93% | 32.35% | n/a | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |