Walton, NY · Cert 7337
FDIC · 12 branches
Q2 2016
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 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.28%1 | 0.25%1 | 0.31%1 | 0.32% | 0.25% | -3 bps | |
| Return on Equity | 2.75% | 2.43% | 3.05% | 3.03% | 2.34% | -41 bps | |
| Net Interest Margin | 2.54% | 2.53% | 2.55% | 2.46% | 2.43% | -11 bps | |
| Efficiency Ratio | 103.29% | 100.27% | 95.68% | 91.35% | 94.90% | -840 bps | |
| Non-Interest Burden | 2.68% | 2.57% | 2.46% | 2.21% | 2.30% | -38 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 31.62% | 0.83% | -2.55% | 4.18% | 0.68% | -3,095 bps | |
| Loan Growth (YoY) | 14.96% | 15.48% | 12.53% | 8.65% | 0.53% | -1,442 bps | |
| Deposit Growth (YoY) | 36.36% | 1.73% | 3.64% | 4.61% | 1.41% | -3,495 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.12% | 0.09% | 0.15% | 0.06% | -5 bps | |
| Allowance / Loans | 1.47% | 1.46% | 1.45% | 1.44% | 1.47% | -1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.03% | 9.15% | 9.34% | 9.13% | 8.93% | -10 bps | |
| Total Risk-Based Capital | 23.02% | 23.24% | 23.56% | 23.72% | 24.71% | +169 bps | |
| Equity / Assets | 9.85% | 10.36% | 10.29% | 10.58% | 10.93% | +109 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 34.61% | 35.79% | 36.27% | 34.39% | 34.31% | -30 bps | |
| Liquid Assets / Assets | 0.58% | 0.68% | 1.41% | 5.58% | 2.49% | +191 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |