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Letter portraitLegal landscapeQuarterYTD

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 $0.0BQ2 2008Q1 2010

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.

Return on Assets (quarter, annualized)

0.24%-53 bps YoY

Net Interest Margin (quarter, annualized)

0.60%-73 bps YoY

Efficiency Ratio (quarter, annualized)

53.65%+3,011 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

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%

Discrete quarter, annualized.

MetricQ2 2008Q3 2008Q4 2008Q1 2009Q2 2009Q3 2009Q4 2009Q1 2010YoY ΔTrend
Earnings
Return on Assets0.47%0.37%-0.03%0.77%0.46%0.42%0.28%0.24%-53 bps
Return on Equity5.20%3.88%-0.31%8.97%5.57%5.28%3.59%3.40%-557 bps
Net Interest Margin0.48%0.48%-0.18%1.33%1.01%0.94%0.69%0.60%-73 bps
Efficiency Ratio41.33%41.98%77.62%23.54%45.91%43.51%57.45%53.65%+3,011 bps
Non-Interest Burden0.23%0.24%0.24%0.34%0.48%0.43%0.41%0.33%0 bps
Growth
Asset Growth (YoY)20.62%15.34%16.00%25.30%27.85%66.88%48.35%39.94%+1,464 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)27.84%15.29%17.48%23.55%24.53%66.84%48.09%43.72%+2,017 bps
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/a0.00%n/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/a0.00%n/an/an/an/a
Allowance / Loansn/an/an/an/an/a0.00%n/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital27.57%31.12%28.42%26.22%27.56%26.22%27.63%22.90%-332 bps
Equity / Assets9.23%10.01%9.24%8.02%8.32%7.54%7.82%6.44%-158 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0.03%0.00%0.00%0 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a