Canajoharie, NY · Cert 58077
FDIC · 3 branches
Q3 2017
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.36% | 0.39% | 0.44% | 0.22% | 0.24% | 0.37% | -3 bps | |
| Return on Equity | 2.87% | 3.19% | 3.86% | 4.28% | 4.99% | 2.52% | 2.76% | 4.12% | -15 bps | |
| Net Interest Margin | 3.33% | 3.44% | 3.38% | 3.38% | 3.50% | 3.53% | 3.50% | 3.61% | +23 bps | |
| Efficiency Ratio | 82.56% | 81.46% | 78.71% | 78.86% | 77.66% | 83.60% | 81.85% | 78.72% | -14 bps | |
| Non-Interest Burden | 2.68% | 2.74% | 2.58% | 2.54% | 2.64% | 2.89% | 2.80% | 2.76% | +22 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 | 0.34% | -0.02% | 0.00% | 0.11% | 0.00% | 0.02% | 0.00% | -0.04% | -15 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 |