PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Berkshire Municipal Bank

Albany, NY · Cert 58097

FDIC · 1 branch

Q2 2014

n/aAssets
n/aLoans
n/aDeposits
n/aEquity
Deposit mix
0%Interest-bearing $0100%Noninterest $0Q2 2013Q2 2014

NIM

1.63%Q2 ’120.76%Q2 ’131.97%Q2 ’14-52%+206%

Non-interest income vs. expense

0.25%Q2 ’120.71%Q2 ’134.14%Q2 ’14+179%+486%

Market Position · Albany-Schenectady-Troy, NY · 2014 SOD (annual) · 0.0% share · #26 of 26 inst. · $0.0B of $23.9B

Executive Summary

  • Earnings: ROA of 0.00%, up 6 bps year over year; NIM at 1.88%.

Financial Results

Return on Assets (YTD, annualized)

0.00%+6 bps YoY

Net Interest Margin (YTD, annualized)

1.88%+127 bps YoY

Efficiency Ratio (YTD, annualized)

220%+10,517 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2013Q3 2013Q4 2013Q1 2014Q2 2014YoY ΔTrend
Earnings
Return on Assets-0.06%-0.18%-0.09%-1.95%0.00%+6 bps
Return on Equity-0.29%-0.83%-0.41%-4.88%n/an/a
Net Interest Margin0.62%0.67%0.81%1.07%1.88%+127 bps
Efficiency Ratio114.83%121.94%119.14%111.54%220%+10,517 bps
Non-Interest Burden0.71%0.81%0.96%1.19%4.14%+343 bps
Growth
Asset Growth (YoY)11.85%-5.05%-17.85%-81.65%-100.00%-11,185 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)15.83%-6.14%-21.80%-99.92%-100.00%-11,583 bps
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/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 Capital107.92%125.94%125.42%498%0.00%-10,792 bps
Equity / Assets21.62%25.22%25.05%99.68%n/an/a
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%n/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%n/an/a
CRE / Total Capitaln/an/an/an/an/an/an/a