Oneida, NY · Cert 15975
FDIC · 13 branches
Q3 2015
Market Position · Syracuse, NY · 2015 SOD (annual) · 5.0% share · #8 of 20 inst. · $0.6B of $12.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.90% | 1.05% | 0.91% | 0.88% | 0.70% | 0.97% | 0.62% | 0.56% | -32 bps | |
| Return on Equity | 7.31% | 9.20% | 7.92% | 7.54% | 5.97% | 8.55% | 5.44% | 4.88% | -267 bps | |
| Net Interest Margin | 2.63% | 2.52% | 2.49% | 2.57% | 2.51% | 2.59% | 2.42% | 2.56% | -1 bps | |
| Efficiency Ratio | 81.30% | 78.59% | 80.92% | 85.71% | 89.32% | 80.61% | 86.74% | 87.17% | +145 bps | |
| Non-Interest Burden | 1.43% | 1.03% | 1.23% | 1.67% | 1.87% | 1.24% | 1.56% | 1.69% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.98% | 9.13% | 11.43% | 10.28% | 7.46% | 12.25% | 9.17% | 3.67% | -661 bps | |
| Loan Growth (YoY) | 7.74% | 6.72% | 6.02% | 6.50% | 9.60% | 12.02% | 13.59% | 11.51% | +501 bps | |
| Deposit Growth (YoY) | 11.84% | 11.61% | 13.17% | 11.36% | 7.54% | 12.86% | 10.07% | 3.97% | -739 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.02% | 0.02% | 0.03% | 0.03% | 0.01% | 0.02% | 0.02% | -1 bps | |
| Allowance / Loans | 0.92% | 0.93% | 0.94% | 0.97% | 0.94% | 0.91% | 0.88% | 0.86% | -11 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | 9.32% | 8.66% | 9.37% | n/a | |
| Total Risk-Based Capital | 15.97% | 16.16% | 16.82% | 16.90% | 16.54% | 15.92% | 15.87% | 16.96% | +6 bps | |
| Equity / Assets | 11.54% | 11.34% | 11.77% | 11.78% | 11.83% | 11.02% | 11.15% | 11.87% | +10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 52.70% | 49.99% | 51.37% | 52.66% | 53.71% | 49.62% | 53.01% | 56.48% | +382 bps | |
| Liquid Assets / Assets | 20.09% | 19.11% | 18.26% | 17.59% | 16.91% | 19.23% | 18.29% | 18.08% | +50 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |