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National Bank of Delaware County, Walton

Walton, NY · Cert 7337

FDIC · 12 branches

Q2 2016

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: Q2 2016, the quarter ended June 30, 2016, 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

National Bank of Delaware County, Walton

Walton, NY · Cert 7337

FDIC · 12 branches

Q2 2016

$375.5MAssets
$112.4MLoans
$327.7MDeposits
$41.1MEquity
Loan mix
87%RE $90.5M7%C&I $6.7M6%Consumer $6.3MQ3 2014Q2 2016
Deposit mix
80%Interest-bearing $261.3M20%Noninterest $66.4MQ3 2014Q2 2016

Executive Summary

  • Earnings: ROA of 0.25%, down 3 bps year over year; NIM at 2.43%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 8.93%, down 10 bps from a year ago.
  • Funding: loans stand at 34.31% of deposits as of Q2 2016.

Return on Assets (YTD, annualized)

0.25%-3 bps YoY

Net Interest Margin (YTD, annualized)

2.43%-11 bps YoY

Efficiency Ratio (YTD, annualized)

94.90%-840 bps YoY

Tier 1 Leverage Ratio

8.93%-10 bps YoY

NIM

3.03%Q2 ’142.88%Q2 ’152.74%Q2 ’16+0%-4%

Non-interest income vs. expense

3.01%Q2 ’143.28%Q2 ’152.98%Q2 ’16+5%-14%

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015Q4 2015Q1 2016Q2 2016YoY ΔTrend
Earnings
Return on Assets0.30%10.39%10.34%10.28%10.25%10.31%10.32%0.25%-3 bps
Return on Equity3.05%3.91%3.32%2.75%2.43%3.05%3.03%2.34%-41 bps
Net Interest Margin2.45%2.08%2.45%2.54%2.53%2.55%2.46%2.43%-11 bps
Efficiency Ratio102.00%96.45%108.24%103.29%100.27%95.68%91.35%94.90%-840 bps
Non-Interest Burden2.59%2.06%2.73%2.68%2.57%2.46%2.21%2.30%-38 bps
Growth
Asset Growth (YoY)39.09%44.67%32.00%31.62%0.83%-2.55%4.18%0.68%-3,095 bps
Loan Growth (YoY)3.39%5.86%9.16%14.96%15.48%12.53%8.65%0.53%-1,442 bps
Deposit Growth (YoY)36.04%35.09%31.55%36.36%1.73%3.64%4.61%1.41%-3,495 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.16%0.16%0.17%0.11%0.12%0.09%0.15%0.06%-5 bps
Allowance / Loans1.61%1.54%1.53%1.47%1.46%1.45%1.44%1.47%-1 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/a9.04%9.03%9.15%9.34%9.13%8.93%-10 bps
Total Risk-Based Capital19.20%16.95%24.55%23.02%23.24%23.56%23.72%24.71%+169 bps
Equity / Assets10.07%10.16%10.64%9.85%10.36%10.29%10.58%10.93%+109 bps
Liquidity & Funding
Loans / Deposits31.53%33.40%33.11%34.61%35.79%36.27%34.39%34.31%-30 bps
Liquid Assets / Assets3.14%0.56%1.49%0.58%0.68%1.41%5.58%2.49%+191 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a