Lockport, NY · Cert 16004
FDIC · 404 branches
Q3 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2016, the quarter ended September 30, 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.
Lockport, NY · Cert 16004
FDIC · 404 branches
Q3 2016
Market Position · Buffalo-Cheektowaga-Niagara Falls, NY · 2016 SOD (annual) · 23.3% share · #2 of 16 inst. · $9.8B of $42.1B
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 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.76% | 0.64% | 0.70% | 0.71% | 0.70% | 0.62% | 0.62% | -0.01% | -72 bps | |
| Return on Equity | -13.66% | 5.67% | 6.18% | 6.30% | 6.27% | 5.57% | 5.60% | -0.10% | -640 bps | |
| Net Interest Margin | 2.98% | 2.97% | 2.95% | 2.94% | 2.91% | 2.92% | 2.87% | 0.70% | -224 bps | |
| Efficiency Ratio | 68.08% | 69.49% | 67.59% | 67.07% | 67.24% | 68.47% | 68.22% | 91.90% | +2,483 bps | |
| Non-Interest Burden | 4.72% | 1.82% | 1.72% | 1.68% | 1.67% | 1.73% | 1.68% | 0.62% | -106 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.44% | 2.42% | 1.14% | 3.81% | 3.55% | 2.99% | 2.37% | -16.34% | -2,016 bps | |
| Loan Growth (YoY) | 7.39% | 6.34% | 4.63% | 4.02% | 4.36% | 4.48% | 4.08% | -3.05% | -706 bps | |
| Deposit Growth (YoY) | 4.10% | 2.37% | 3.56% | 4.08% | 3.29% | 4.50% | 1.69% | -6.83% | -1,091 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 | 0.30% | 0.30% | 0.28% | 0.28% | 0.28% | 0.19% | 0.20% | 0.01% | -26 bps | |
| Allowance / Loans | 1.02% | 1.00% | 1.01% | 1.01% | 1.00% | 1.04% | 1.04% | 0.06% | -94 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 | 8.03% | 8.07% | 8.12% | 8.05% | 8.00% | 8.00% | 8.47% | +35 bps | |
| Total Risk-Based Capital | 11.37% | 11.53% | 11.54% | 11.56% | 11.55% | 11.67% | 11.80% | 11.26% | -30 bps | |
| Equity / Assets | 11.35% | 11.33% | 11.28% | 11.22% | 11.03% | 11.07% | 11.22% | 13.46% | +224 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.60% | 80.55% | 80.90% | 80.80% | 82.45% | 80.53% | 82.80% | 84.09% | +328 bps | |
| Liquid Assets / Assets | 15.56% | 16.09% | 16.19% | 16.09% | 16.80% | 16.93% | 15.99% | 4.37% | -1,172 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |