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Oneida Savings Bank, The

Oneida, NY · Cert 15975

FDIC · 13 branches

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

Oneida Savings Bank, The

Oneida, NY · Cert 15975

FDIC · 13 branches

Q3 2015

$815.6MAssets
$400.6MLoans
$709.3MDeposits
$96.8MEquity
Loan mix
70%RE $266.9M14%C&I $51.7M16%Consumer $61.9MQ3 2014Q3 2015
Deposit mix
96%Interest-bearing $680.9M4%Noninterest $28.4MQ3 2014Q3 2015

NIM

3.17%Q3 ’132.91%Q3 ’142.77%Q3 ’15-8%0%

Non-interest income vs. expense

5.91%Q3 ’135.65%Q3 ’145.63%Q3 ’15+5%+1%

Market Position · Syracuse, NY · 2015 SOD (annual) · 5.0% share · #8 of 20 inst. · $0.6B of $12.0B

52.3% Madison
4.3% Oneida

Executive Summary

  • Earnings: ROA of 0.56%, down 32 bps year over year; NIM at 2.56%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 9.37%.
  • Funding: loans stand at 56.48% of deposits as of Q3 2015.

Financial Results

Return on Assets (YTD, annualized)

0.56%-32 bps YoY

Net Interest Margin (YTD, annualized)

2.56%-1 bps YoY

Efficiency Ratio (YTD, annualized)

87.17%+145 bps YoY

Tier 1 Leverage Ratio

9.37%

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets0.88%0.70%0.97%0.62%0.56%-32 bps
Return on Equity7.54%5.97%8.55%5.44%4.88%-267 bps
Net Interest Margin2.57%2.51%2.59%2.42%2.56%-1 bps
Efficiency Ratio85.71%89.32%80.61%86.74%87.17%+145 bps
Non-Interest Burden1.67%1.87%1.24%1.56%1.69%+2 bps
Growth
Asset Growth (YoY)10.28%7.46%12.25%9.17%3.67%-661 bps
Loan Growth (YoY)6.50%9.60%12.02%13.59%11.51%+501 bps
Deposit Growth (YoY)11.36%7.54%12.86%10.07%3.97%-739 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.03%0.03%0.01%0.02%0.02%-1 bps
Allowance / Loans0.97%0.94%0.91%0.88%0.86%-11 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/a9.32%8.66%9.37%n/a
Total Risk-Based Capital16.90%16.54%15.92%15.87%16.96%+6 bps
Equity / Assets11.78%11.83%11.02%11.15%11.87%+10 bps
Liquidity & Funding
Loans / Deposits52.66%53.71%49.62%53.01%56.48%+382 bps
Liquid Assets / Assets17.59%16.91%19.23%18.29%18.08%+50 bps
CRE / Total Capitaln/an/an/an/an/an/an/a