Oswego, NY · Cert 15977
FDIC · 9 branches
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 31, 2016, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Oswego, NY · Cert 15977
FDIC · 9 branches
Q1 2016
Market Position · Syracuse, NY · 2015 SOD (annual) · 3.9% share · #9 of 20 inst. · $0.5B 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 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.49% | 0.52% | 0.55% | 0.41% | 0.46% | 0.52% | 0.55% | 0.53% | +12 bps | |
| Return on Equity | 5.47% | 5.86% | 5.91% | 3.84% | 4.35% | 4.90% | 5.20% | 5.28% | +144 bps | |
| Net Interest Margin | 3.15% | 3.11% | 3.09% | 3.16% | 3.14% | 3.17% | 3.10% | 3.15% | -1 bps | |
| Efficiency Ratio | 76.36% | 74.46% | 74.75% | 77.69% | 75.91% | 75.87% | 75.81% | 77.51% | -18 bps | |
| Non-Interest Burden | 2.27% | 2.17% | 2.17% | 2.32% | 2.24% | 2.25% | 2.20% | 2.30% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.16% | 15.85% | 11.29% | 15.24% | 10.22% | 6.59% | 11.04% | 9.61% | -563 bps | |
| Loan Growth (YoY) | 6.28% | 10.70% | 13.44% | 12.20% | 12.44% | 10.83% | 11.07% | 11.15% | -105 bps | |
| Deposit Growth (YoY) | 11.78% | 20.30% | 4.07% | 12.59% | 4.70% | 5.03% | 19.51% | 10.54% | -204 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 | 0.22% | 0.28% | 0.23% | 0.28% | 0.12% | 0.20% | 0.23% | 0.06% | -22 bps | |
| Allowance / Loans | 1.44% | 1.38% | 1.38% | 1.40% | 1.46% | 1.38% | 1.33% | 1.35% | -5 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 | 10.25% | 10.12% | 10.23% | 10.00% | 9.76% | -49 bps | |
| Total Risk-Based Capital | 13.54% | 13.33% | 16.60% | 16.11% | 16.75% | 16.70% | 16.22% | 16.15% | +4 bps | |
| Equity / Assets | 8.83% | 8.58% | 10.94% | 10.26% | 10.41% | 10.51% | 10.30% | 9.84% | -42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.77% | 77.30% | 90.43% | 78.76% | 85.67% | 81.56% | 84.04% | 79.19% | +43 bps | |
| Liquid Assets / Assets | 8.58% | 10.60% | 8.06% | 9.93% | 8.99% | 8.24% | 7.79% | 8.29% | -164 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |