Canisteo, NY · Cert 591
FDIC
Q2 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2010, the quarter ended June 30, 2010, 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.
Canisteo, NY · Cert 591
FDIC
Q2 2010
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 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.26% | 0.28% | 0.12% | 0.10% | -0.23% | -0.12% | 0.10% | 0.17% | +8 bps | |
| Return on Equity | 1.72% | 1.83% | 0.81% | 0.65% | -1.58% | -0.78% | 0.69% | 1.21% | +56 bps | |
| Net Interest Margin | 2.94% | 2.85% | 2.18% | 2.21% | 2.26% | 2.23% | 2.06% | 2.09% | -12 bps | |
| Efficiency Ratio | 94.84% | 93.29% | 94.69% | 96.62% | 93.27% | 93.20% | 92.57% | 91.28% | -534 bps | |
| Non-Interest Burden | 2.88% | 2.74% | 2.13% | 2.21% | 2.15% | 2.12% | 1.93% | 1.92% | -29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.92% | 4.08% | 7.07% | 7.43% | 8.53% | 5.30% | 5.93% | 5.81% | -162 bps | |
| Loan Growth (YoY) | -11.80% | -16.30% | -12.34% | -13.77% | -11.73% | -11.99% | -6.99% | -7.26% | +652 bps | |
| Deposit Growth (YoY) | -3.42% | 3.96% | 7.85% | 6.98% | 9.98% | 6.81% | 5.75% | 6.55% | -43 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 | -0.04% | 0.02% | -0.37% | -0.10% | -0.06% | -0.03% | 0.00% | -0.06% | +4 bps | |
| Allowance / Loans | 1.26% | 1.11% | 1.16% | 1.03% | 1.05% | 1.09% | 1.06% | 1.14% | +10 bps | |
| 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 | 23.77% | 24.00% | 24.04% | 23.37% | 23.43% | 24.73% | 23.60% | 24.80% | +143 bps | |
| Equity / Assets | 15.41% | 15.34% | 14.21% | 14.63% | 14.88% | 14.73% | 13.74% | 14.42% | -21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 43.56% | 39.58% | 35.45% | 35.37% | 34.96% | 32.62% | 31.19% | 30.79% | -458 bps | |
| Liquid Assets / Assets | 0.32% | 0.52% | 0.49% | 0.34% | 0.82% | 0.46% | 0.79% | 0.89% | +55 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |