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Central National Bank, Canajoharie

Canajoharie, NY · Cert 6984

FDIC

Q3 2001

$976.4MAssets
$553.3MLoans
$853.9MDeposits
$78.5MEquity
Loan mix
78%RE $173.9M21%C&I $46.9M1%Consumer $2.0MQ3 2000Q3 2001
Deposit mix
90%Interest-bearing $771.8M10%Noninterest $82.0MQ3 2000Q3 2001

NIM

7.33%Q1 ’017.14%Q2 ’016.84%Q3 ’010%+3%

Non-interest income vs. expense

2.56%Q1 ’012.44%Q2 ’013.76%Q3 ’01-4%+71%

Executive Summary

  • Earnings: ROA of -1.44%, down 247 bps year over year; NIM at 3.48%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.91%.
  • Funding: loans stand at 64.79% of deposits as of Q3 2001.

Financial Results

Return on Assets (quarter, annualized)

-1.44%-247 bps YoY

Net Interest Margin (quarter, annualized)

3.48%

Efficiency Ratio (quarter, annualized)

98.05%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets1.03%0.90%0.98%0.96%-1.44%-247 bps
Return on Equityn/an/an/a11.43%-17.53%n/a
Net Interest Marginn/an/a3.39%3.38%3.48%n/a
Efficiency Ration/an/a66.37%63.90%98.05%n/a
Non-Interest Burdenn/an/a2.09%2.00%3.40%n/a
Growth
Asset Growth (YoY)9.67%4.12%3.12%5.21%4.15%-551 bps
Loan Growth (YoY)23.04%16.90%13.53%11.90%7.86%-1,517 bps
Deposit Growth (YoY)3.11%0.38%1.62%6.01%8.70%+559 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/a0.10%0.15%1.91%n/a
Allowance / Loansn/an/a1.56%1.54%1.63%n/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 Capitaln/an/a10.58%10.54%10.01%n/a
Equity / Assetsn/an/a8.39%8.36%8.04%n/a
Liquidity & Funding
Loans / Deposits65.30%65.60%64.04%65.08%64.79%-50 bps
Liquid Assets / Assets0.00%0.00%0.20%0.26%0.20%+20 bps
CRE / Total Capitaln/an/an/an/an/an/an/a