PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Niagara Mohawk Power Mohawk Div.

Gloversville, NY · Charter 2737

Q3 2012

$9.0MAssets
$3.3MLoans
$6.8MShares
$2.2MNet Worth

Executive Summary

  • Earnings: ROA of 0.20%, down 83 bps year over year; NIM at 2.54%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 24.07%, down 27 bps from a year ago.
  • Funding: loans stand at 49.00% of shares as of Q3 2012.

Return on Assets (quarter, annualized)

0.20%-83 bps YoY

Net Interest Margin (quarter, annualized)

2.54%-42 bps YoY

Efficiency Ratio (quarter, annualized)

92.37%+2,752 bps YoY

Net Worth / Assets

24.07%-27 bps YoY

Discrete quarter, annualized.

MetricQ3 2010Q1 2011Q2 2011Q3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets1.38%1.03%1.21%1.03%1.00%1.37%0.63%0.20%-83 bps
Return on Equity5.67%4.39%4.93%4.22%4.18%5.57%2.57%0.83%-338 bps
Net Interest Margin3.72%2.77%2.97%2.96%2.90%3.01%2.73%2.54%-42 bps
Efficiency Ratio55.01%60.07%58.10%64.85%65.15%55.74%77.63%92.37%+2,752 bps
Growth
Asset Growth (YoY)0.90%6.85%4.38%5.14%6.73%0.55%3.28%2.83%-231 bps
Loan Growth (YoY)-0.93%-6.45%-4.90%-4.12%-3.90%-1.12%0.24%1.43%+555 bps
Share Growth (YoY)0.07%7.25%3.66%4.67%7.11%-0.70%3.15%2.70%-197 bps
Asset Quality
Delinquent Loans / Loans0.49%0.00%0.00%0.00%0.00%0.10%0.10%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.07%0.70%0.69%0.70%0.70%0.70%0.69%0.59%-11 bps
Capital
Risk-Based Capital24.29%23.33%24.55%24.34%24.00%24.56%24.52%24.07%-27 bps
Net Worth / Assets24.29%23.33%24.55%24.34%24.00%24.56%24.52%24.07%-27 bps
Liquidity & Funding
Loans / Shares53.75%48.90%51.47%49.62%48.23%48.70%50.02%49.00%-62 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps