Fairport, NY · Cert 30056
FDIC · 5 branches
Q1 2020
Market Position · Rochester, NY · 2019 SOD (annual) · 1.2% share · #12 of 19 inst. · $0.2B of $19.2B
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 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.23% | 0.19% | 0.19% | 0.15% | 0.11% | 0.11% | -0.03% | -0.43% | -58 bps | |
| Return on Equity | 2.52% | 2.09% | 2.04% | 1.63% | 1.25% | 1.22% | -0.35% | -4.64% | -627 bps | |
| Net Interest Margin | 2.87% | 2.81% | 2.77% | 2.67% | 2.62% | 2.61% | 2.60% | 2.60% | -7 bps | |
| Efficiency Ratio | 90.11% | 91.67% | 91.73% | 92.06% | 94.34% | 94.05% | 99.11% | 109.47% | +1,741 bps | |
| Non-Interest Burden | 2.51% | 2.51% | 2.48% | 2.42% | 2.45% | 2.42% | 2.57% | 2.88% | +46 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.70% | 7.39% | 4.36% | 3.88% | 1.02% | -0.66% | -1.48% | -1.95% | -583 bps | |
| Loan Growth (YoY) | 13.72% | 10.35% | 7.01% | 4.48% | 0.85% | -1.08% | -2.48% | -2.06% | -654 bps | |
| Deposit Growth (YoY) | 9.97% | 9.94% | 2.73% | 3.99% | 4.74% | 6.16% | 5.81% | 3.60% | -39 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.02% | 0.04% | 0.04% | 0.12% | 0.47% | 0.37% | 0.38% | 0.31% | +18 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.08% | 0.22% | +22 bps | |
| Allowance / Loans | 0.51% | 0.52% | 0.55% | 0.58% | 0.59% | 0.62% | 0.59% | 0.60% | +2 bps | |
| Allowance Coverage of NPLs | 25.7x | 14.9x | 15.6x | 4.7x | 1.3x | 1.7x | 1.5x | 2.0x | -2.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.34% | 9.14% | 9.07% | 9.12% | 9.13% | 9.13% | 9.01% | 9.08% | -4 bps | |
| Total Risk-Based Capital | 15.79% | 15.62% | 15.70% | 15.73% | 15.68% | 16.53% | 15.32% | 9.08% | -665 bps | |
| Equity / Assets | 9.10% | 9.04% | 9.08% | 9.19% | 9.23% | 9.33% | 9.26% | 9.24% | +5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 125.82% | 130.01% | 128.22% | 125.21% | 121.15% | 121.15% | 118.16% | 118.37% | -684 bps | |
| Liquid Assets / Assets | 3.34% | 2.79% | 2.81% | 2.86% | 3.03% | 2.56% | 3.09% | 3.40% | +55 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |