Patriot Federal Bank NY (Patriot Federal Bank NY) Effective Interest Rate on Debt % : 0.00% (As of Sep. 2007)

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What is Patriot Federal Bank NY Effective Interest Rate on Debt %?

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. Patriot Federal Bank NY's annualized positive value of Interest Expense for the quarter that ended in Sep. 2007 was $0.96 Mil. Patriot Federal Bank NY's average total debt for the quarter that ended in Sep. 2007 was $0.00 Mil. Therefore, Patriot Federal Bank NY's annualized Effective Interest Rate on Debt % for the quarter that ended in Sep. 2007 was N/A%.

Patriot Federal Bank NY Effective Interest Rate on Debt % Historical Data

The historical data trend for Patriot Federal Bank NY's Effective Interest Rate on Debt % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

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Patriot Federal Bank NY Effective Interest Rate on Debt % Chart

Patriot Federal Bank NY Annual Data

Trend

Effective Interest Rate on Debt %

Patriot Federal Bank NY Quarterly Data
	Mar07	Jun07	Sep07
Effective Interest Rate on Debt %	-	-	-

Competitive Comparison of Patriot Federal Bank NY's Effective Interest Rate on Debt %

For the Banks - Regional subindustry, Patriot Federal Bank NY's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Patriot Federal Bank NY's Effective Interest Rate on Debt % Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Patriot Federal Bank NY's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Patriot Federal Bank NY's Effective Interest Rate on Debt % falls into.

Patriot Federal Bank NY Effective Interest Rate on Debt % Calculation

Patriot Federal Bank NY's annualized Effective Interest Rate on Debt % for the fiscal year that ended in . 20 is calculated as

	Effective Interest Rate on Debt %
=	-1 * Interest Expense	/	( (Total Debt (A: . 20 )	+	Total Debt (A: . 20 ))	/ count )
=	-1 *	/	( (	+	)	/ )
=	-1 *	/
=	%

where

	Total Debt (A: . 20 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=		+
=

	Total Debt (A: . 20 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=		+
=

Patriot Federal Bank NY's annualized Effective Interest Rate on Debt % for the quarter that ended in Sep. 2007 is calculated as

	Effective Interest Rate on Debt %
=	-1 * Interest Expense	/	( (Total Debt (Q: Jun. 2007 )	+	Total Debt (Q: Sep. 2007 ))	/ count )
=	-1 * -0.956	/	( (0	+	0)	/ 1 )
=	-1 * -0.956	/	0
=	N/A %

where

	Total Debt (Q: Jun. 2007 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	0	+	0
=	0

	Total Debt (Q: Sep. 2007 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	0	+	0
=	0

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is four times the quarterly (Sep. 2007) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

Patriot Federal Bank NY (OTCPK:PFDB) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.

Patriot Federal Bank NY Effective Interest Rate on Debt % Related Terms

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Patriot Federal Bank NY (Patriot Federal Bank NY) Business Description

Industry

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Traded in Other Exchanges

N/A

Address

Website

http://www.patriotfederalbank.com

Patriot Federal Bank NY was established in December 2005. It offers a variety of products tailored to the people of the Mohawk Valley and surrounding areas. Patriot Federal Bank offers an array of personal checking account options. The Bank offers home equity loans and lines of credit at extremely competitive rates. Patriot Federal Bank also offers a variety of personal loans at highly competitive rates. The Bank's goal is to provide quality financial services in a personal, professional manner.

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