Oneonta, NY · Cert 7239
FDIC
Q1 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.75% | 1.23% | 0.92% | 0.80% | 0.54%1 | 1.10%1 | 0.73% | 0.37% | -43 bps | |
| Return on Equity | 10.34% | 16.30% | 11.74% | 10.23% | 6.74% | 13.16% | 8.53% | 4.49% | -574 bps | |
| Net Interest Margin | 3.37% | 3.66% | 3.73% | 3.49% | 3.37% | 3.34% | 3.22% | 3.11% | -38 bps | |
| Efficiency Ratio | 73.57% | 67.75% | 73.19% | 70.33% | 75.03% | 72.29% | 81.55% | 79.45% | +912 bps | |
| Non-Interest Burden | 2.32% | 2.28% | 2.56% | 2.29% | 2.41% | 2.24% | 2.49% | 2.31% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.08% | 3.19% | -1.98% | -1.31% | -0.69% | -1.03% | -4.14% | -4.56% | -325 bps | |
| Loan Growth (YoY) | 21.59% | 12.01% | 0.66% | -3.84% | -7.41% | -9.40% | -10.91% | -14.58% | -1,074 bps | |
| Deposit Growth (YoY) | 7.96% | 4.34% | -1.46% | -1.64% | -0.72% | -0.74% | -5.00% | -5.75% | -411 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 | 0.40% | 0.16% | 0.95% | 0.39% | 0.49% | 0.55% | 0.61% | 0.53% | +14 bps | |
| Allowance / Loans | 1.45% | 1.53% | 1.47% | 1.53% | 1.78% | 1.86% | 1.84% | 1.96% | +43 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 | 11.45% | 12.31% | 12.71% | 13.12% | 13.73% | 14.31% | 14.48% | 15.28% | +215 bps | |
| Equity / Assets | 7.32% | 7.80% | 7.92% | 7.80% | 8.18% | 8.55% | 8.49% | 8.19% | +38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.46% | 78.79% | 77.88% | 73.34% | 72.25% | 71.92% | 73.03% | 66.47% | -687 bps | |
| Liquid Assets / Assets | 8.42% | 9.02% | 10.15% | 9.64% | 12.87% | 10.77% | 9.49% | 11.99% | +234 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |