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Troy Commercial Bank, The

Troy, NY · Cert 35591

FDIC

Q1 2010

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: Q1 2010, the quarter ended March 31, 2010, 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

Troy Commercial Bank, The

Troy, NY · Cert 35591

FDIC

Q1 2010

$1.3BAssets
n/aLoans
$1.2BDeposits
$81.0MEquity
Deposit mix
97%Interest-bearing $1.1B3%Noninterest $0.0BQ1 2009Q1 2010

NIM

3.21%Q1 ’082.17%Q1 ’091.09%Q1 ’10+221%-55%

Non-interest income vs. expense

0.22%Q1 ’080.34%Q1 ’090.35%Q1 ’10+56%-1%

Executive Summary

  • Earnings: ROA of 0.24%, down 53 bps year over year; NIM at 0.60%.
  • Funding: loans stand at 0.00% of deposits as of Q1 2010.

Financial Results

Return on Assets (YTD, annualized)

0.24%-53 bps YoY

Net Interest Margin (YTD, annualized)

0.60%-73 bps YoY

Efficiency Ratio (YTD, annualized)

53.65%+3,011 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2009Q2 2009Q3 2009Q4 2009Q1 2010YoY ΔTrend
Earnings
Return on Assets0.77%0.62%0.54%0.47%0.24%-53 bps
Return on Equity8.97%7.28%6.54%5.77%3.40%-557 bps
Net Interest Margin1.33%1.09%1.00%0.82%0.60%-73 bps
Efficiency Ratio23.54%33.86%36.90%41.29%53.65%+3,011 bps
Non-Interest Burden0.34%0.39%0.39%0.35%0.33%0 bps
Growth
Asset Growth (YoY)25.30%27.85%66.88%48.35%39.94%+1,464 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)23.55%24.53%66.84%48.09%43.72%+2,017 bps
Asset Quality
Nonperforming Loans / Loansn/an/a0.00%n/an/an/an/a
Net Charge-Offs / Loansn/an/a0.00%n/an/an/an/a
Allowance / Loansn/an/a0.00%n/an/an/an/a
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 Capital26.22%27.56%26.22%27.63%22.90%-332 bps
Equity / Assets8.02%8.32%7.54%7.82%6.44%-158 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.03%0.00%0.00%0 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a