Medina, NY · Cert 30547
FDIC · 1 branch
Q2 2018
Market Position · Rochester, NY · 2018 SOD (annual) · 0.3% share · #16 of 20 inst. · $0.1B of $18.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.02% | 0.04% | 0.02% | 0.00% | 0.19% | 0.04% | -0.78% | 0.21% | +21 bps | |
| Return on Equity | -0.33% | 0.57% | 0.35% | 0.00% | 2.77% | 0.64% | -11.70% | 3.28% | +328 bps | |
| Net Interest Margin | 2.68% | 2.93% | 2.97% | 2.89% | 2.88% | 2.80% | 2.75% | 2.72% | -17 bps | |
| Efficiency Ratio | 113.17% | 98.29% | 99.12% | 100.00% | 94.41% | 97.76% | 94.08% | 91.41% | -859 bps | |
| Non-Interest Burden | 3.11% | 2.87% | 2.93% | 2.89% | 2.68% | 2.72% | 2.55% | 2.44% | -45 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.49% | 4.24% | 2.08% | 4.24% | 3.18% | 2.95% | 7.41% | 4.27% | +3 bps | |
| Loan Growth (YoY) | 2.09% | 7.93% | 7.00% | 6.29% | 6.70% | 2.12% | 2.18% | 1.44% | -486 bps | |
| Deposit Growth (YoY) | 4.62% | 4.52% | 2.36% | 4.68% | 3.98% | 3.42% | 8.83% | 5.64% | +96 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 1.24% | 0.59% | 0.13% | 0.37% | 0.97% | 0.94% | +36 bps | |
| Net Charge-Offs / Loans | 0.14% | -0.03% | 0.05% | 0.29% | 0.24% | 0.28% | -0.04% | -0.04% | -33 bps | |
| Allowance / Loans | 1.35% | 1.29% | 1.28% | 1.20% | 1.13% | 1.05% | 1.06% | 1.08% | -13 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 1.0x | 2.0x | 8.6x | 2.8x | 1.1x | 1.1x | -0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.88% | 8.83% | 8.86% | 8.54% | 8.46% | 8.35% | 8.13% | 8.04% | -50 bps | |
| Total Risk-Based Capital | 21.73% | 20.82% | 20.87% | 20.94% | 21.09% | 21.01% | 20.57% | 20.67% | -27 bps | |
| Equity / Assets | 7.00% | 6.56% | 6.74% | 6.58% | 7.11% | 6.90% | 6.42% | 6.42% | -15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 53.70% | 54.91% | 56.45% | 54.86% | 55.11% | 54.22% | 53.01% | 52.67% | -219 bps | |
| Liquid Assets / Assets | 47.45% | 30.52% | 31.02% | 33.40% | 33.15% | 33.29% | 34.61% | 35.10% | +170 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |