PackageTrendsPeer
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Onbank

Syracuse, NY · Cert 16042

FDIC

Q4 1996

$476.7MAssets
$230.7MLoans
$198.7MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.46%, down 9 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 116.10% of deposits as of Q4 1996.

Return on Assets (YTD, annualized)

0.46%-9 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ1 1995Q2 1995Q3 1995Q4 1995Q1 1996Q2 1996Q3 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets0.25%0.43%0.54%0.55%0.95%0.86%0.36%0.46%-9 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)-1.88%-12.06%-15.17%36.27%27.75%31.87%24.01%-22.32%-5,859 bps
Loan Growth (YoY)8.23%-9.19%-14.05%-19.21%-19.41%-2.99%-2.35%-0.71%+1,849 bps
Deposit Growth (YoY)2.59%-4.02%0.88%-1.65%-1.96%-2.78%-4.58%-8.12%-647 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits137.87%112.78%107.37%107.43%113.33%112.53%109.88%116.10%+866 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a