Geneva, NY · Cert 58541
FDIC · 4 branches
Q2 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2020, the quarter ended June 30, 2020, 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.
Geneva, NY · Cert 58541
FDIC · 4 branches
Q2 2020
Market Position · Rochester, NY · 2020 SOD (annual) · 1.0% share · #13 of 18 inst. · $0.2B of $22.4B
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 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.46% | 1.45% | 1.20% | 1.17% | 1.11% | 1.08% | 0.30% | -0.92% | -210 bps | |
| Return on Equity | 14.84% | 14.61% | 11.87% | 11.59% | 10.93% | 10.53% | 2.84% | -9.04% | -2,063 bps | |
| Net Interest Margin | 3.59% | 3.61% | 3.54% | 3.52% | 3.48% | 3.47% | 3.49% | 3.33% | -20 bps | |
| Efficiency Ratio | 46.69% | 47.24% | 56.64% | 53.18% | 52.55% | 52.64% | 63.96% | 114.55% | +6,137 bps | |
| Non-Interest Burden | 1.49% | 1.54% | 1.86% | 1.75% | 1.71% | 1.70% | 2.15% | 3.85% | +210 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.25% | 11.97% | 12.34% | 10.57% | 11.33% | 8.47% | 4.46% | 7.47% | -310 bps | |
| Loan Growth (YoY) | 12.33% | 13.32% | 13.90% | 9.96% | 9.61% | 6.31% | 4.24% | 9.50% | -46 bps | |
| Deposit Growth (YoY) | 12.51% | 11.52% | 12.58% | 10.18% | 12.16% | 8.89% | 4.16% | 7.57% | -261 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.59% | 0.69% | 0.90% | 0.87% | 1.09% | 1.50% | 2.13% | 1.06% | +19 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.08% | 0.00% | 0.01% | 0.07% | 0.05% | 0.46% | 1.33% | +133 bps | |
| Allowance / Loans | 1.63% | 1.64% | 1.63% | 1.72% | 1.83% | 2.00% | 2.09% | 1.43% | -29 bps | |
| Allowance Coverage of NPLs | 2.8x | 2.4x | 1.8x | 2.0x | 1.7x | 1.3x | 1.0x | 1.3x | -0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.21% | 10.41% | 10.21% | 10.35% | 10.41% | 10.61% | 10.60% | 9.44% | -91 bps | |
| Total Risk-Based Capital | 12.32% | 12.33% | 12.21% | 12.46% | 12.86% | 12.68% | 12.75% | 9.44% | -302 bps | |
| Equity / Assets | 10.10% | 10.15% | 10.04% | 10.21% | 10.39% | 10.56% | 10.48% | 9.65% | -56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.10% | 102.73% | 99.63% | 99.77% | 99.79% | 100.29% | 99.71% | 101.56% | +179 bps | |
| Liquid Assets / Assets | 1.17% | 1.25% | 2.14% | 2.61% | 2.09% | 3.47% | 1.59% | 3.48% | +87 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |