Tupper Lake, NY · Cert 7329
FDIC
Q1 2007
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 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.81% | 0.78% | 0.71% | 0.91% | 0.54% | 0.51% | 0.49% | 0.62% | -29 bps | |
| Return on Equity | 9.21% | 8.95% | 8.13% | 10.92% | 6.55% | 6.32% | 6.05% | 7.48% | -344 bps | |
| Net Interest Margin | 3.49% | 3.42% | 3.37% | 3.10% | 3.00% | 3.02% | 3.00% | 3.11% | +1 bps | |
| Efficiency Ratio | 71.54% | 73.28% | 75.79% | 70.59% | 79.80% | 81.61% | 86.92% | 78.80% | +820 bps | |
| Non-Interest Burden | 2.42% | 2.43% | 2.48% | 2.04% | 2.35% | 2.43% | 2.60% | 2.36% | +31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.93% | 4.81% | 3.90% | 10.44% | 8.50% | 11.13% | 3.20% | -0.74% | -1,118 bps | |
| Loan Growth (YoY) | 4.96% | -6.21% | -5.08% | -5.05% | 3.21% | 11.09% | 12.86% | 15.63% | +2,068 bps | |
| Deposit Growth (YoY) | 10.66% | 7.10% | 7.79% | 14.52% | 10.34% | 13.15% | 2.67% | -1.38% | -1,590 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 | 0.09% | 0.05% | 0.02% | 0.02% | 0.00% | 0.04% | 0.03% | -0.03% | -5 bps | |
| Allowance / Loans | 1.12% | 1.25% | 1.31% | 1.36% | 1.33% | 1.26% | 1.21% | 1.18% | -18 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 | 15.64% | 15.51% | 15.66% | 15.40% | 14.89% | 14.53% | 13.82% | 13.82% | -158 bps | |
| Equity / Assets | 8.79% | 8.74% | 8.52% | 8.18% | 7.98% | 7.91% | 8.31% | 8.26% | +8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.29% | 58.08% | 59.94% | 55.82% | 57.33% | 57.02% | 65.89% | 65.44% | +963 bps | |
| Liquid Assets / Assets | 9.44% | 8.73% | 7.75% | 7.08% | 7.21% | 5.53% | 5.37% | 3.62% | -346 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |