The First National Bank Of Groton Financial Statements & Health Reports

Active

Vitals

ROAA

1.202

ROAE

Efficiency Ratio

Net Interest Margin

Balance Sheet Highlights

Financial Highlights	The First National Bank Of Groton	All Insured Commercial Banks in New York
Balance Sheet $(000)
Total Assets	171,299	1,637,033
Total Net Loans	88,190	1,047,955
Total Deposits	148,198	1,296,950
Total Equity	22,294	187,165
Profitability
Net Income	2,040	13,254
Return on Average Assets	1.202	.773
Return on Average Equity	9.038	7.506
Net Interest Margin	4.58	3.19
Efficiency Ratio	55.5	65.064
Noninterest Income/Revenue	7.523	18.239
Balance Sheet Ratios
Loan-to-Deposit	59.508	73.986
Securities/Assets	.438	.167
Total Equity/Total Assets	.13	.114
Tangible Equity/Tangible Assets	.13	.109
Capital Adequacy
Tier 1 Common Capital	22,302	154,500
Tier 1 Capital	22,302	155,066
Tier 2 Capital	1,144	9,750
Total Capital	23,446	168,084
Total Risk Weighted Assets	91,482	1,138,832
Leverage Ratio	12.99	10.188
Common Equity Tier 1 Capital Ratio	24.38	16.458
Tier 1 Capital Ratio	24.38	16.551
Total Capital Ratio	25.63	17.647

The First National Bank Of Groton was established 159 years ago and is currently headquartered in Groton, NY.

May 01 1865

Relationships	Role	Relationship Start	Relationship End

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