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City National Bank and Trust Company

Gloversville, NY · Cert 7075

FDIC

Q4 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: Q4 2005, the quarter ended December 31, 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 2026-10-10

City National Bank and Trust Company

Gloversville, NY · Cert 7075

FDIC

Q4 2005

$397.9MAssets
$197.9MLoans
$334.0MDeposits
$38.9MEquity
Loan mix
88%RE $81.6M11%C&I $10.3M1%Consumer $0.5MQ4 2004Q4 2005
Deposit mix
86%Interest-bearing $288.0M14%Noninterest $46.0MQ4 2004Q4 2005

NIM

4.97%Q4 ’034.51%Q4 ’045.00%Q4 ’05-1%+5%

Non-interest income vs. expense

2.18%Q4 ’032.16%Q4 ’042.81%Q4 ’05+1%+33%

Executive Summary

  • Earnings: ROA of 0.71%, down 38 bps year over year; NIM at 3.42%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.10%.
  • Funding: loans stand at 59.26% of deposits as of Q4 2005.

Financial Results

Return on Assets (YTD, annualized)

0.71%-38 bps YoY

Net Interest Margin (YTD, annualized)

3.42%+18 bps YoY

Efficiency Ratio (YTD, annualized)

72.35%+1,276 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005YoY ΔTrend
Earnings
Return on Assets1.09%1.11%0.67%0.79%0.71%-38 bps
Return on Equity11.98%12.36%7.38%8.63%7.61%-438 bps
Net Interest Margin3.25%3.35%3.33%3.37%3.42%+18 bps
Efficiency Ratio59.58%62.29%79.01%72.71%72.35%+1,276 bps
Non-Interest Burden1.80%1.96%2.57%2.36%2.38%+59 bps
Growth
Asset Growth (YoY)6.71%7.02%7.89%-7.79%-5.56%-1,227 bps
Loan Growth (YoY)10.11%12.22%14.91%8.65%4.96%-514 bps
Deposit Growth (YoY)7.48%10.73%11.40%-6.42%0.28%-721 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.31%0.09%0.07%0.08%0.10%-21 bps
Allowance / Loans1.24%1.21%1.18%1.20%1.22%-2 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 Capital15.52%15.86%15.43%16.28%16.91%+139 bps
Equity / Assets9.03%8.97%9.16%9.59%9.77%+74 bps
Liquidity & Funding
Loans / Deposits56.61%57.35%58.68%60.49%59.26%+265 bps
Liquid Assets / Assets1.89%2.34%2.25%1.85%1.86%-3 bps
CRE / Total Capitaln/an/an/an/an/an/an/a