Highland Falls, NY · Cert 28417
FDIC
Q2 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2012, the quarter ended June 30, 2012, 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.
Highland Falls, NY · Cert 28417
FDIC
Q2 2012
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.39% | -1.89% | -0.11% | -0.19% | -0.29% | -0.39% | -0.76% | -0.80% | -61 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | 2.03% | 1.97% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 136.14% | 138.93% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | n/a | n/a | 2.78% | 2.76% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.18% | -1.55% | -1.74% | -2.87% | 1.96% | -0.30% | -1.32% | -1.48% | +140 bps | |
| Loan Growth (YoY) | 0.31% | 0.62% | 0.13% | -6.39% | -5.43% | -8.06% | -8.42% | -11.89% | -550 bps | |
| Deposit Growth (YoY) | 2.71% | -1.79% | -2.02% | -3.28% | 2.69% | 0.11% | -0.84% | -0.90% | +238 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | 0.00% | 0.00% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | 1.20% | 1.28% | n/a | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 32.24% | 33.13% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 15.27% | 15.03% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 59.14% | 60.01% | 59.68% | 57.84% | 54.47% | 55.11% | 55.12% | 51.43% | -641 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 26.19% | 22.40% | +2,240 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |