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Tupper Lake National Bank, The

Tupper Lake, NY · Cert 7329

FDIC

Q1 2007

$98.8MAssets
$55.6MLoans
$85.0MDeposits
$8.2MEquity
Loan mix
75%RE $28.9M25%C&I $9.5M0%Consumer $0.1MQ1 2006Q1 2007
Deposit mix
82%Interest-bearing $69.5M18%Noninterest $15.5MQ1 2006Q1 2007

NIM

4.76%Q1 ’055.04%Q1 ’065.60%Q1 ’07-10%+0%

Non-interest income vs. expense

2.80%Q1 ’052.71%Q1 ’063.05%Q1 ’07-17%+15%

Executive Summary

  • Earnings: ROA of 0.62%, down 29 bps year over year; NIM at 3.11%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.03%.
  • Funding: loans stand at 65.44% of deposits as of Q1 2007.

Financial Results

Return on Assets (quarter, annualized)

0.62%-29 bps YoY

Net Interest Margin (quarter, annualized)

3.11%+1 bps YoY

Efficiency Ratio (quarter, annualized)

78.80%+820 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2006Q2 2006Q3 2006Q4 2006Q1 2007YoY ΔTrend
Earnings
Return on Assets0.91%0.17%0.47%0.42%0.62%-29 bps
Return on Equity10.92%2.13%5.93%5.20%7.48%-344 bps
Net Interest Margin3.10%2.97%3.09%3.08%3.11%+1 bps
Efficiency Ratio70.59%90.00%85.22%102.76%78.80%+820 bps
Non-Interest Burden2.04%2.69%2.62%3.23%2.36%+31 bps
Growth
Asset Growth (YoY)10.44%8.50%11.13%3.20%-0.74%-1,118 bps
Loan Growth (YoY)-5.05%3.21%11.09%12.86%15.63%+2,068 bps
Deposit Growth (YoY)14.52%10.34%13.15%2.67%-1.38%-1,590 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.02%-0.02%0.12%-0.01%-0.03%-5 bps
Allowance / Loans1.36%1.33%1.26%1.21%1.18%-18 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 Capital15.40%14.89%14.53%13.82%13.82%-158 bps
Equity / Assets8.18%7.98%7.91%8.31%8.26%+8 bps
Liquidity & Funding
Loans / Deposits55.82%57.33%57.02%65.89%65.44%+963 bps
Liquid Assets / Assets7.08%7.21%5.53%5.37%3.62%-346 bps
CRE / Total Capitaln/an/an/an/an/an/an/a