PackageTrendsPeer
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State Bank of Chittenango

Chittenango, NY · Cert 12940

FDIC · 1 branch

Q3 2015

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2015, the quarter ended September 30, 2015, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

State Bank of Chittenango

Chittenango, NY · Cert 12940

FDIC · 1 branch

Q3 2015

$226.4MAssets
n/aLoans
$200.7MDeposits
$21.9MEquity
Deposit mix
94%Interest-bearing $187.9M6%Noninterest $12.8MQ3 2014Q3 2015

NIM

2.54%Q3 ’132.34%Q3 ’142.35%Q3 ’15-9%+5%

Non-interest income vs. expense

0.12%Q3 ’130.08%Q3 ’140.08%Q3 ’15-33%-4%

Market Position · Syracuse, NY · 2015 SOD (annual) · 1.7% share · #15 of 20 inst. · $0.2B of $12.0B

Executive Summary

  • Earnings: ROA of 1.56%, up 14 bps year over year; NIM at 2.12%.
  • Capital: tier 1 leverage ratio of 9.98%.
  • Funding: loans stand at 0.00% of deposits as of Q3 2015.

Financial Results

Return on Assets (YTD, annualized)

1.56%+14 bps YoY

Net Interest Margin (YTD, annualized)

2.12%+11 bps YoY

Efficiency Ratio (YTD, annualized)

3.77%-35 bps YoY

Tier 1 Leverage Ratio

9.98%

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets1.43%1.42%1.56%1.63%1.56%+14 bps
Return on Equity17.72%17.07%17.74%18.44%17.33%-39 bps
Net Interest Margin2.01%2.04%2.31%1.99%2.12%+11 bps
Efficiency Ratio4.13%4.18%3.53%3.57%3.77%-35 bps
Non-Interest Burden0.08%0.09%0.08%0.07%0.08%0 bps
Growth
Asset Growth (YoY)35.47%7.67%18.60%13.21%11.11%-2,436 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)37.28%17.27%23.16%14.78%10.70%-2,658 bps
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/a10.20%8.99%9.98%n/a
Total Risk-Based Capital50.70%55.73%47.00%51.45%53.09%+239 bps
Equity / Assets8.77%9.42%8.33%8.81%9.67%+90 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets52.77%52.68%46.59%47.02%47.23%-553 bps
CRE / Total Capitaln/an/an/an/an/an/an/a