PackageTrendsPeer
Letter portraitLegal landscape

Stissing National Bank of Pine Plains, The

Pine Plains, NY · Cert 7251

FDIC

Q3 2010

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 2010, the quarter ended September 30, 2010, 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

Stissing National Bank of Pine Plains, The

Pine Plains, NY · Cert 7251

FDIC

Q3 2010

$44.9MAssets
$29.0MLoans
$41.0MDeposits
$3.8MEquity
Loan mix
96%RE $26.8M3%C&I $0.9M0%Consumer $0.1MQ3 2009Q3 2010
Deposit mix
63%Interest-bearing $25.7M37%Noninterest $15.3MQ3 2009Q3 2010

NIM

5.59%Q3 ’084.30%Q3 ’093.77%Q3 ’10-21%-10%

Non-interest income vs. expense

4.59%Q3 ’084.45%Q3 ’094.70%Q3 ’10-5%+12%

Executive Summary

  • Earnings: ROA of -0.04%, down 53 bps year over year; NIM at 3.45%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.19%.
  • Funding: loans stand at 70.82% of deposits as of Q3 2010.

Financial Results

Return on Assets (YTD, annualized)

-0.04%-53 bps YoY

Net Interest Margin (YTD, annualized)

3.45%-40 bps YoY

Efficiency Ratio (YTD, annualized)

104.37%+1,594 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2009Q4 2009Q1 2010Q2 2010Q3 2010YoY ΔTrend
Earnings
Return on Assets0.49%0.03%0.28%0.20%-0.04%-53 bps
Return on Equity5.12%0.35%3.32%2.38%-0.52%-564 bps
Net Interest Margin3.85%3.72%3.16%3.31%3.45%-40 bps
Efficiency Ratio88.42%89.31%92.66%100.89%104.37%+1,594 bps
Non-Interest Burden3.27%3.20%2.86%3.34%3.65%+38 bps
Growth
Asset Growth (YoY)6.08%3.33%21.31%7.90%1.46%-461 bps
Loan Growth (YoY)4.34%0.27%1.71%-3.78%-3.61%-794 bps
Deposit Growth (YoY)6.77%7.04%24.11%9.27%2.40%-437 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.08%0.51%0.04%-0.32%-0.19%-27 bps
Allowance / Loans0.46%0.61%0.61%0.60%0.60%+14 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 Capital16.18%15.32%14.58%15.57%15.28%-90 bps
Equity / Assets9.13%9.16%7.69%8.45%8.46%-68 bps
Liquidity & Funding
Loans / Deposits75.23%79.76%65.15%71.48%70.82%-441 bps
Liquid Assets / Assets3.02%2.96%2.32%2.48%2.33%-69 bps
CRE / Total Capitaln/an/an/an/an/an/an/a