Hornell, NY · Cert 12936
FDIC · 15 branches
Q1 2020
Market Position · Rochester, NY · 2019 SOD (annual) · 0.1% share · #18 of 19 inst. · $0.0B of $19.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.17% | 1.25% | 1.28% | 1.35% | 1.16% | 0 bps | |
| Return on Equity | 10.80% | 11.37% | 11.18% | 11.32% | 9.41% | -138 bps | |
| Net Interest Margin | 3.54% | 3.55% | 3.53% | 3.58% | 3.48% | -6 bps | |
| Efficiency Ratio | 65.03% | 61.46% | 61.75% | 63.33% | 65.87% | +84 bps | |
| Non-Interest Burden | 2.07% | 1.90% | 1.89% | 1.98% | 2.06% | -1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.52% | 5.12% | 2.80% | 1.51% | -1.70% | -1,022 bps | |
| Loan Growth (YoY) | 7.10% | 5.01% | 0.99% | -1.24% | -5.22% | -1,232 bps | |
| Deposit Growth (YoY) | 9.22% | 4.82% | 1.19% | -0.34% | -2.69% | -1,191 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.84% | 0.32% | 0.47% | 0.25% | 0.28% | -55 bps | |
| Net Charge-Offs / Loans | 0.14% | 0.03% | 0.01% | 0.01% | 0.02% | -12 bps | |
| Allowance / Loans | 1.20% | 1.21% | 1.23% | 1.24% | 1.28% | +8 bps | |
| Allowance Coverage of NPLs | 1.4x | 3.8x | 2.6x | 5.0x | 4.5x | +3.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.38% | 11.47% | 11.83% | 12.16% | 12.40% | +102 bps | |
| Total Risk-Based Capital | 18.49% | 18.59% | 19.24% | 19.81% | 12.40% | -609 bps | |
| Equity / Assets | 10.74% | 11.30% | 11.63% | 12.31% | 12.38% | +164 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 68.64% | 71.48% | 70.32% | 73.40% | 66.86% | -178 bps | |
| Liquid Assets / Assets | 5.15% | 1.50% | 3.48% | 2.08% | 7.09% | +194 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |