East Syracuse, NY · Cert 35329
FDIC
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 2012, 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.
East Syracuse, NY · Cert 35329
FDIC
Q3 2012
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 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.51% | 0.61% | 0.64% | 0.64% | 0.55% | 0.52% | 0.41% | 0.49% | -15 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 2.84% | 2.73% | 2.91% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 68.73% | 69.31% | 67.95% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | n/a | 1.75% | 1.70% | 1.77% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.22% | -3.68% | -2.85% | 1.10% | -0.53% | -0.88% | -4.16% | -14.91% | -1,600 bps | |
| Loan Growth (YoY) | -2.66% | -1.95% | -1.47% | 0.24% | -2.58% | -4.83% | -6.90% | -12.98% | -1,322 bps | |
| Deposit Growth (YoY) | -2.47% | -2.81% | -3.11% | 3.72% | -0.12% | -1.16% | -0.09% | -13.06% | -1,678 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 | n/a | n/a | n/a | n/a | n/a | 3.11% | 2.06% | 1.79% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | 1.81% | 1.74% | 1.68% | n/a | |
| 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 | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 15.29% | 15.60% | 16.81% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | 10.43% | 10.88% | 12.25% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 115.77% | 116.12% | 117.65% | 110.12% | 112.90% | 111.80% | 109.62% | 110.22% | +10 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 4.24% | 3.93% | 1.66% | +166 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |