Oneida, NY · Cert 7237
FDIC
Q4 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.89% | 1.00% | 1.21% | 0.85% | 0.80% | 0.88% | 0.69% | 0.39% | -46 bps | |
| Return on Equity | 8.62% | 9.59% | 11.10% | 7.53% | 7.01% | 7.64% | 6.00% | 3.35% | -418 bps | |
| Net Interest Margin | 3.06% | 3.14% | 3.09% | 2.86% | 2.84% | 2.88% | 2.85% | 2.75% | -11 bps | |
| Efficiency Ratio | 69.36% | 66.14% | 65.60% | 67.86% | 73.58% | 73.37% | 78.09% | 84.46% | +1,660 bps | |
| Non-Interest Burden | 1.81% | 1.73% | 1.65% | 1.56% | 1.81% | 1.83% | 2.01% | 2.15% | +59 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.83% | 1.41% | -0.91% | -3.15% | -3.69% | -3.54% | 1.08% | 0.03% | +318 bps | |
| Loan Growth (YoY) | -2.91% | -3.47% | -3.16% | -3.05% | -0.93% | 1.77% | 3.68% | 6.50% | +955 bps | |
| Deposit Growth (YoY) | 3.01% | -0.46% | -1.33% | -4.40% | -5.25% | -0.29% | 1.70% | 0.86% | +527 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.07% | 0.06% | 0.61% | 0.65% | 0.07% | 0.18% | -0.04% | -64 bps | |
| Allowance / Loans | 1.22% | 1.21% | 1.29% | 1.23% | 1.07% | 0.99% | 0.94% | 0.92% | -31 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 14.15% | 14.37% | 14.84% | 15.05% | 15.21% | 14.89% | 14.94% | 14.76% | -30 bps | |
| Equity / Assets | 10.33% | 10.64% | 11.22% | 11.42% | 11.45% | 11.52% | 11.45% | 11.75% | +33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.26% | 79.27% | 78.59% | 80.29% | 78.69% | 80.91% | 80.12% | 84.77% | +449 bps | |
| Liquid Assets / Assets | 0.01% | 0.01% | 0.01% | 1.92% | 4.90% | 3.15% | 4.30% | 0.28% | -164 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |