Pine Plains, NY · Cert 7251
FDIC
Q3 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 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.09% | 0.43% | 0.34% | 0.49% | 0.03% | 0.28% | 0.20% | -0.04% | -53 bps | |
| Return on Equity | 11.25% | 4.37% | 3.55% | 5.12% | 0.35% | 3.32% | 2.38% | -0.52% | -564 bps | |
| Net Interest Margin | 4.72% | 4.03% | 3.91% | 3.85% | 3.72% | 3.16% | 3.31% | 3.45% | -40 bps | |
| Efficiency Ratio | 79.85% | 89.77% | 89.69% | 88.42% | 89.31% | 92.66% | 100.89% | 104.37% | +1,594 bps | |
| Non-Interest Burden | 3.55% | 3.50% | 3.39% | 3.27% | 3.20% | 2.86% | 3.34% | 3.65% | +38 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.73% | -3.12% | 3.89% | 6.08% | 3.33% | 21.31% | 7.90% | 1.46% | -461 bps | |
| Loan Growth (YoY) | 7.04% | 7.57% | 12.07% | 4.34% | 0.27% | 1.71% | -3.78% | -3.61% | -794 bps | |
| Deposit Growth (YoY) | -4.87% | -3.51% | 4.24% | 6.77% | 7.04% | 24.11% | 9.27% | 2.40% | -437 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 | 0.11% | 0.05% | 0.12% | 0.08% | 0.51% | 0.04% | -0.32% | -0.19% | -27 bps | |
| Allowance / Loans | 0.39% | 0.44% | 0.45% | 0.46% | 0.61% | 0.61% | 0.60% | 0.60% | +14 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 | 16.87% | 16.24% | 15.90% | 16.18% | 15.32% | 14.58% | 15.57% | 15.28% | -90 bps | |
| Equity / Assets | 9.94% | 9.67% | 9.36% | 9.13% | 9.16% | 7.69% | 8.45% | 8.46% | -68 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.15% | 79.50% | 81.17% | 75.23% | 79.76% | 65.15% | 71.48% | 70.82% | -441 bps | |
| Liquid Assets / Assets | 5.58% | 4.55% | 4.39% | 3.02% | 2.96% | 2.32% | 2.48% | 2.33% | -69 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |