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BCT

Binghamton, NY · Charter 4507

Q3 2011

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: Q3 2011, the quarter ended September 30, 2011, 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: NCUA 5300 Call Report, 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

BCT

Binghamton, NY · Charter 4507

Q3 2011

$38.1MAssets
$21.1MLoans
$41.3MShares
$-3222KNet Worth

Executive Summary

  • Earnings: ROA of -33.41%, down 3,341 bps year over year; NIM at 4.37%.
  • Asset quality: problem loans at 1.14% of loans (+53 bps YoY).
  • Capital: net worth / assets of -8.45%, down 2,146 bps from a year ago.
  • Funding: loans stand at 51.00% of shares as of Q3 2011.

Return on Assets (YTD, annualized)

-33.41%-3,341 bps YoY

Net Interest Margin (YTD, annualized)

4.37%+90 bps YoY

Efficiency Ratio (YTD, annualized)

104.80%+3,423 bps YoY

Net Worth / Assets

-8.45%-2,146 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2009Q3 2009Q4 2009Q1 2010Q3 2010Q1 2011Q2 2011Q3 2011YoY ΔTrend
Earnings
Return on Assets-0.22%-0.30%-0.63%0.00%0.00%0.56%1.01%-33.41%-3,341 bps
Return on Equity-1.70%-2.26%-4.71%0.00%0.00%4.61%7.90%n/an/a
Net Interest Margin2.57%2.80%3.01%3.47%3.62%3.73%4.00%4.37%+90 bps
Efficiency Ratio66.29%78.74%85.82%70.57%77.28%81.62%76.48%104.80%+3,423 bps
Growth
Asset Growth (YoY)27.84%20.34%4.76%3.27%-2.96%8.28%11.06%-20.09%-2,336 bps
Loan Growth (YoY)17.95%22.50%25.25%29.80%39.54%54.28%45.95%-20.51%-5,031 bps
Share Growth (YoY)33.81%24.63%6.40%4.57%-2.76%9.64%11.98%-0.26%-483 bps
Asset Quality
Delinquent Loans / Loans1.58%1.64%1.46%0.61%0.06%0.19%0.39%1.14%+53 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.72%0.26%0.68%0.66%0.80%0.84%0.73%1.14%+48 bps
Capital
Risk-Based Capital12.96%13.30%13.39%13.01%12.86%12.23%12.81%-8.45%-2,146 bps
Net Worth / Assets12.96%13.30%13.39%13.01%12.86%12.23%12.81%-8.45%-2,146 bps
Liquidity & Funding
Loans / Shares50.04%55.74%60.70%63.99%71.81%78.44%79.12%51.00%-1,299 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps