Financial Highlights for Banks and Thrifts
TOMPKINS FINANCIAL CORPORATION (NYSE Amex - TMP)
Trend Analysis--Quarterly (
click here for Annual Analysis
)
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Balance Sheet ($000)
2010 Q2
2009 Q2
Y-Y
Ch (%)
2010 Q1
Q-Q
Ch (%)
†
Loans Held for Investment, before Reserves
1,899,352
1,839,263
3.27
1,885,876
2.86
Loans Held for Sale, before Reserves
951
1,935
(50.85)
1,162
(72.63)
Loan Loss Reserve
26,530
21,319
24.44
25,366
18.36
Net Loans Receivable
1,873,773
1,819,879
2.96
1,861,672
2.60
Intangible Assets
44,689
45,461
(1.70)
44,888
(1.77)
Total Assets
3,161,648
2,968,057
6.52
3,206,763
(5.63)
Deposits
2,460,223
2,288,809
7.49
2,512,201
(8.28)
Debt, Senior and Subordinated
389,955
407,764
(4.37)
396,857
(6.96)
Common Equity
267,166
227,791
17.29
252,959
22.47
Total Shareholders' Equity
268,683
229,308
17.17
254,444
22.38
Shares Outstanding (actual)
10,830,001
10,692,484
1.29
10,793,573
1.35
Income Statement ($000)
2010 Q2
2009 Q2
Y-Y
Ch (%)
2010 Q1
Q-Q
Ch (%)
†
Net Interest Income
28,106
26,509
6.02
27,944
2.32
Provision for Loan Losses
1,408
2,367
(40.52)
2,183
(142.01)
Noninterest Income
11,273
11,519
(2.14)
11,202
2.54
Noninterest Expense
24,516
23,274
5.34
24,494
0.36
Net Income Before Taxes
13,513
11,006
22.78
12,587
29.43
Provision for Taxes
4,447
3,526
26.12
4,138
29.87
Net Income
9,066
7,480
21.20
8,449
29.21
Per Share Items ($)
2010 Q2
2009 Q2
Y-Y
Ch (%)
2010 Q1
Q-Q
Ch (%)
†
Book Value per Share
24.67
21.30
15.80
23.44
21.04
Tangible Book Value
20.54
17.05
20.47
19.28
26.26
Diluted EPS Before Extra
0.83
0.69
20.29
0.78
25.64
Diluted EPS After Extra
0.83
0.69
20.29
0.78
25.64
Dividends Declared
0.3400
0.3091
10.00
0.3091
39.99
Performance Ratios (%)
2010 Q2
2009 Q2
Y-Y
Ch (bp)
2010 Q1
Q-Q
Ch (bp)
ROAA
1.14
1.00
14
1.07
7
ROAE
13.94
13.00
94
13.54
40
Net Interest Margin
3.91
3.93
(2)
3.95
(4)
Loans / Deposits
77.20
80.36
(316)
75.07
213
Efficiency Ratio
60.65
59.44
122
60.92
(27)
Balance Sheet Ratios (%)
2010 Q2
2009 Q2
Y-Y
Ch (bp)
2010 Q1
Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets
7.19
6.29
90
6.63
56
Equity/ Assets
8.50
7.73
77
7.93
56
Asset Quality Ratios (%)
2010 Q2
2009 Q2
Y-Y
Ch (bp)
2010 Q1
Q-Q
Ch (bp)
Nonperforming Assets/ Assets
1.28
0.87
41
1.06
22
Loan Loss Reserves/ Gross Loans
1.40
1.16
24
1.34
5
Loan Loss Reserves/ NPAs
68.83
86.21
(1,739)
75.09
(626)
Net Charge-offs/ Avg Loans
0.05
0.23
(17)
0.25
(19)
Regulatory Capital Ratios (%)
2010 Q2
2009 Q2
Y-Y
Ch (bp)
2010 Q1
Q-Q
Ch (bp)
Tier 1 Capital Ratio
NA
10.67
NA
11.40
NA
†
Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4
*
Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.
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