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National Bank of Geneva, The

Geneva, NY · Cert 7070

FDIC

Q3 2005

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 2005, the quarter ended September 30, 2005, 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: FFIEC Call Report (031/041/051), 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

National Bank of Geneva, The

Geneva, NY · Cert 7070

FDIC

Q3 2005

$649.7MAssets
$264.6MLoans
$578.2MDeposits
$56.9MEquity
Loan mix
73%RE $93.0M26%C&I $32.6M1%Consumer $1.7MQ3 2004Q3 2005
Deposit mix
84%Interest-bearing $483.9M16%Noninterest $94.3MQ3 2004Q3 2005

NIM

5.25%Q3 ’034.95%Q3 ’044.84%Q3 ’05+6%-9%

Non-interest income vs. expense

2.78%Q3 ’032.86%Q3 ’043.56%Q3 ’050%-28%

Executive Summary

  • Earnings: ROA of -0.24%, down 73 bps year over year; NIM at 3.31%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 12.50%.
  • Funding: loans stand at 45.77% of deposits as of Q3 2005.

Financial Results

Return on Assets (YTD, annualized)

-0.24%-73 bps YoY

Net Interest Margin (YTD, annualized)

3.31%-34 bps YoY

Efficiency Ratio (YTD, annualized)

63.82%+377 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2004Q4 2004Q1 2005Q2 2005Q3 2005YoY ΔTrend
Earnings
Return on Assets0.49%0.08%-0.17%-1.62%-0.24%-73 bps
Return on Equity5.61%0.93%-1.97%-18.86%-2.76%-837 bps
Net Interest Margin3.65%3.60%3.61%3.34%3.31%-34 bps
Efficiency Ratio60.05%62.62%77.17%79.84%63.82%+377 bps
Non-Interest Burden1.80%1.89%2.57%2.47%1.30%-50 bps
Growth
Asset Growth (YoY)-7.94%-4.79%-5.29%-4.87%-6.76%+118 bps
Loan Growth (YoY)-20.39%-18.77%-16.47%-21.91%-32.82%-1,243 bps
Deposit Growth (YoY)-8.31%-4.81%-4.46%-4.15%-6.07%+225 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.79%1.73%1.72%14.40%12.50%+1,071 bps
Allowance / Loans3.42%4.85%5.31%2.22%2.54%-88 bps
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 Capital14.64%14.65%15.01%14.44%17.76%+312 bps
Equity / Assets9.04%8.79%8.66%8.23%8.76%-29 bps
Liquidity & Funding
Loans / Deposits63.99%62.44%61.63%56.23%45.77%-1,823 bps
Liquid Assets / Assets1.76%1.89%1.99%1.83%2.56%+79 bps
CRE / Total Capitaln/an/an/an/an/an/an/a