Vernon, NY · Cert 7334
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 | 0.11%1 | -0.59% | -0.31% | -1.40% | -0.64% | -0.33% | -0.29% | -0.73% | +66 bps | |
| Return on Equity | 0.89% | -4.91% | -2.60% | -12.58% | -5.85% | -3.01% | -2.72% | -6.83% | +575 bps | |
| Net Interest Margin | 4.11% | 4.01% | 3.96% | 3.78% | 3.71% | 3.68% | 3.63% | 3.44% | -34 bps | |
| Efficiency Ratio | 99.86% | 104.94% | 100.32% | 102.20% | 99.93% | 99.90% | 103.86% | 125.14% | +2,294 bps | |
| Non-Interest Burden | 4.10% | 4.23% | 3.98% | 3.87% | 3.71% | 3.67% | 3.79% | 4.59% | +72 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.51% | -10.85% | 0.28% | 3.44% | 2.51% | 3.96% | 3.77% | 0.83% | -261 bps | |
| Loan Growth (YoY) | 0.80% | -0.59% | -5.81% | -7.93% | -10.57% | -13.27% | -14.06% | -15.57% | -763 bps | |
| Deposit Growth (YoY) | -12.48% | -11.54% | 4.37% | 5.55% | 4.81% | 4.81% | 4.55% | 0.73% | -482 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 | 0.00% | 0.09% | 0.10% | 0.71% | 1.07% | 0.74% | 0.64% | -0.03% | -74 bps | |
| Allowance / Loans | 1.15% | 2.26% | 2.33% | 3.38% | 3.15% | 3.05% | 3.14% | 3.28% | -10 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 | 22.83% | 21.55% | 22.62% | 22.08% | 22.59% | 22.93% | 23.96% | 23.82% | +174 bps | |
| Equity / Assets | 12.25% | 11.15% | 11.48% | 10.75% | 10.64% | 10.41% | 10.82% | 10.70% | -5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.12% | 61.70% | 61.63% | 58.24% | 56.42% | 51.06% | 50.66% | 48.82% | -942 bps | |
| Liquid Assets / Assets | 3.61% | 3.19% | 3.12% | 3.03% | 2.95% | 2.62% | 2.61% | 2.51% | -52 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |