Jamestown, NY · Charter 63761
NCUA · 1 branch
Q4 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2017, the quarter ended December 31, 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.
Jamestown, NY · Charter 63761
NCUA · 1 branch
Q4 2017
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.02% | 0.03% | 0.02% | -0.05% | 0.01% | -21.99% | -70.56% | -3388% | -338,777 bps | |
| Return on Equity | 0.13% | 0.23% | 0.19% | -0.38% | 0.09% | -22.73% | -73.06% | -3388% | -338,744 bps | |
| Net Interest Margin | 3.25% | 3.03% | 3.08% | 3.01% | 2.81% | 19.80% | 19.10% | -1622% | -162,464 bps | |
| Efficiency Ratio | 99.54% | 99.08% | 99.27% | 101.41% | 99.61% | 244% | n/a | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.67% | -2.42% | 1.51% | 5.41% | 5.87% | -87.35% | -91.54% | -99.63% | -10,504 bps | |
| Loan Growth (YoY) | 3.32% | -7.61% | -10.24% | -9.39% | -11.33% | -100.00% | -100.00% | -100.00% | -9,061 bps | |
| Share Growth (YoY) | -0.88% | -2.86% | 1.68% | 6.28% | 6.81% | -99.62% | -99.67% | -100.00% | -10,628 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 1.48% | 1.54% | n/a | n/a | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.24% | 0.25% | 0.27% | 0.27% | 0.29% | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 13.55% | 13.49% | 13.06% | 12.84% | 12.76% | 96.76% | 96.59% | 100.00% | +8,716 bps | |
| Net Worth / Assets | 13.55% | 13.49% | 13.06% | 12.84% | 12.76% | 96.76% | 96.59% | 100.00% | +8,716 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 32.51% | 31.29% | 28.88% | 28.52% | 26.99% | 0.00% | 0.00% | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |