Canajoharie, NY · Cert 58077
FDIC · 3 branches
Q3 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2017, the quarter ended September 30, 2017, 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.
Canajoharie, NY · Cert 58077
FDIC · 3 branches
Q3 2017
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 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.27% | 0.30% | 0.33% | 0.35% | 0.38% | 0.22% | 0.23% | 0.28% | -7 bps | |
| Return on Equity | 3.00% | 3.19% | 3.53% | 3.79% | 4.10% | 2.52% | 2.64% | 3.14% | -64 bps | |
| Net Interest Margin | 3.40% | 3.44% | 3.37% | 3.30% | 3.32% | 3.53% | 3.49% | 3.51% | +20 bps | |
| Efficiency Ratio | 79.77% | 81.46% | 80.07% | 79.65% | 79.13% | 83.60% | 82.72% | 81.36% | +171 bps | |
| Non-Interest Burden | 2.62% | 2.74% | 2.62% | 2.54% | 2.54% | 2.89% | 2.82% | 2.78% | +24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.99% | 1.92% | 1.52% | 9.60% | 9.20% | 10.95% | 6.91% | 2.43% | -718 bps | |
| Loan Growth (YoY) | 4.41% | 3.42% | 1.45% | 15.98% | 16.30% | 16.76% | 14.13% | 10.68% | -530 bps | |
| Deposit Growth (YoY) | 9.03% | 5.71% | 6.33% | 13.96% | 11.89% | 15.29% | 9.94% | 5.73% | -823 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.35% | 0.25% | 0.28% | +28 bps | |
| Net Charge-Offs / Loans | 0.21% | -0.02% | -0.01% | 0.03% | 0.02% | 0.02% | 0.01% | -0.01% | -4 bps | |
| Allowance / Loans | 1.56% | 1.60% | 1.60% | 1.57% | 1.55% | 1.53% | 1.52% | 1.53% | -3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 4.3x | 6.1x | 5.4x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.24% | 9.19% | 9.01% | 8.84% | 8.84% | 8.78% | 8.72% | 8.73% | -12 bps | |
| Total Risk-Based Capital | 15.53% | 15.56% | 15.19% | 14.73% | 14.79% | 14.49% | 14.54% | 14.66% | -7 bps | |
| Equity / Assets | 9.30% | 9.43% | 9.27% | 9.07% | 8.73% | 8.62% | 8.80% | 8.97% | -9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.08% | 96.59% | 94.44% | 95.00% | 97.79% | 97.82% | 98.04% | 99.45% | +445 bps | |
| Liquid Assets / Assets | 0.46% | 0.24% | 0.22% | 0.43% | 0.17% | 0.98% | 0.28% | 0.32% | -11 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |