Patriot Federal Bank Financial Statements & Health Reports

Active

Vitals

ROAA

.375

ROAE

Efficiency Ratio

Net Interest Margin

Balance Sheet Highlights

Financial Highlights	Patriot Federal Bank	All Insured Savings Banks in New York
Balance Sheet $(000)
Total Assets	141,246	1,351,752
Total Net Loans	113,786	1,018,087
Total Deposits	118,199	1,024,500
Total Equity	12,324	162,846
Profitability
Net Income	508	8,523
Return on Average Assets	.375	.459
Return on Average Equity	4.103	3.522
Net Interest Margin	3.667	3.356
Efficiency Ratio	77.585	79.875
Noninterest Income/Revenue	9.025	13.416
Balance Sheet Ratios
Loan-to-Deposit	96.267	92.451
Securities/Assets	.141	.086
Total Equity/Total Assets	.087	.12
Tangible Equity/Tangible Assets	.086	.112
Capital Adequacy
Tier 1 Common Capital	12,357	151,871
Tier 1 Capital	12,357	151,871
Tier 2 Capital	1,149	7,542
Total Capital	13,506	159,397
Total Risk Weighted Assets	91,342	882,895
Leverage Ratio	8.84	12.276
Common Equity Tier 1 Capital Ratio	13.53	19.264
Tier 1 Capital Ratio	13.53	19.264
Total Capital Ratio	14.79	20.219

Patriot Federal Bank was established 18 years ago and is currently headquartered in Canajoharie, NY.

Dec 02 2005

Relationships	Role	Relationship Start	Relationship End

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