Kinderhook, NY · Cert 7128
FDIC · 11 branches
Q2 2019
Market Position · Albany-Schenectady-Troy, NY · 2019 SOD (annual) · 0.5% share · #17 of 24 inst. · $0.2B of $30.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.47% | 0.33% | 0.92% | 0.93% | 0.84% | 1.16% | 0.55% | 1.01% | +8 bps | |
| Return on Equity | 4.97% | 3.39% | 9.34% | 9.29% | 8.22% | 11.10% | 5.12% | 9.34% | +5 bps | |
| Net Interest Margin | 3.41% | 3.52% | 3.65% | 3.60% | 3.56% | 3.76% | 3.48% | 3.39% | -21 bps | |
| Efficiency Ratio | 78.64% | 74.69% | 66.19% | 64.73% | 67.12% | 61.39% | 74.31% | 64.45% | -29 bps | |
| Non-Interest Burden | 2.60% | 2.52% | 2.23% | 2.20% | 2.28% | 2.18% | 2.50% | 2.08% | -13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.29% | 34.34% | 32.76% | 37.46% | 32.33% | 2.17% | 2.11% | 1.68% | -3,578 bps | |
| Loan Growth (YoY) | 8.32% | 38.23% | 39.53% | 41.37% | 42.26% | 6.87% | 6.21% | 1.43% | -3,994 bps | |
| Deposit Growth (YoY) | 8.02% | 35.49% | 34.22% | 35.34% | 29.64% | 1.63% | 1.01% | 1.16% | -3,418 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.51% | 1.16% | 1.41% | 1.35% | 1.59% | 1.55% | 1.45% | 1.51% | +16 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.11% | 0.05% | 0.09% | 0.00% | 0.37% | 0.01% | -4 bps | |
| Allowance / Loans | 1.13% | 0.89% | 0.88% | 0.86% | 0.85% | 0.87% | 0.82% | 0.83% | -2 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.8x | 0.6x | 0.6x | 0.5x | 0.6x | 0.6x | 0.6x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.56% | 10.11% | 9.23% | 9.76% | 9.73% | 9.99% | 10.09% | 10.11% | +35 bps | |
| Total Risk-Based Capital | 13.81% | 13.87% | 13.78% | 14.28% | 14.61% | 15.10% | 15.02% | 15.76% | +147 bps | |
| Equity / Assets | 9.32% | 9.89% | 9.83% | 10.16% | 10.28% | 10.70% | 10.83% | 10.83% | +67 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.94% | 84.05% | 84.41% | 85.01% | 87.72% | 88.38% | 88.75% | 85.24% | +23 bps | |
| Liquid Assets / Assets | 3.23% | 2.44% | 3.38% | 4.05% | 2.53% | 2.60% | 3.42% | 13.60% | +955 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |