Chittenango, NY · Cert 12940
FDIC · 1 branch
Q3 2015
Market Position · Syracuse, NY · 2015 SOD (annual) · 1.7% share · #15 of 20 inst. · $0.2B of $12.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.38% | 1.39% | 1.56% | 1.62% | 1.42% | +3 bps | |
| Return on Equity | 16.33% | 15.34% | 17.74% | 18.93% | 15.36% | -98 bps | |
| Net Interest Margin | 2.13% | 2.10% | 2.31% | 2.03% | 2.09% | -3 bps | |
| Efficiency Ratio | 4.42% | 4.32% | 3.53% | 3.62% | 4.17% | -25 bps | |
| Non-Interest Burden | 0.09% | 0.09% | 0.08% | 0.07% | 0.09% | -1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 35.47% | 7.67% | 18.60% | 13.21% | 11.11% | -2,436 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | 37.28% | 17.27% | 23.16% | 14.78% | 10.70% | -2,658 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | 10.20% | 8.99% | 9.98% | n/a | |
| Total Risk-Based Capital | 50.70% | 55.73% | 47.00% | 51.45% | 53.09% | +239 bps | |
| Equity / Assets | 8.77% | 9.42% | 8.33% | 8.81% | 9.67% | +90 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Liquid Assets / Assets | 52.77% | 52.68% | 46.59% | 47.02% | 47.23% | -553 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |