White Plains, NY · Charter 10039
Q1 2011
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 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.82% | -0.45% | 0.25% | -1.26% | -1.87% | -0.47% | -1.00% | 0.25% | +151 bps | |
| Return on Equity | -5.13% | -3.05% | 1.66% | -9.14% | -15.70% | -4.35% | -10.20% | 2.73% | +1,187 bps | |
| Net Interest Margin | 2.94% | 2.88% | 2.99% | 3.00% | 2.91% | 2.74% | 2.80% | 3.70% | +70 bps | |
| Efficiency Ratio | 120.32% | 108.91% | 86.72% | 131.03% | 152.55% | 114.37% | 128.11% | 93.16% | -3,786 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.36% | 3.75% | 6.23% | 6.31% | 7.50% | 12.21% | 15.62% | 13.50% | +719 bps | |
| Loan Growth (YoY) | 0.60% | 11.51% | 19.95% | 21.36% | 29.06% | 26.87% | 37.46% | 34.49% | +1,313 bps | |
| Share Growth (YoY) | 2.91% | 5.72% | 8.19% | 9.34% | 12.97% | 18.18% | 22.46% | 19.67% | +1,033 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.19% | 1.37% | 2.20% | 1.99% | 1.89% | 1.81% | 1.58% | 0.67% | -132 bps | |
| 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 | 0.73% | 0.69% | 0.66% | 0.64% | 0.60% | 0.56% | 0.46% | 0.62% | -2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.98% | 14.77% | 14.76% | 13.80% | 11.94% | 10.88% | 9.76% | 9.19% | -461 bps | |
| Net Worth / Assets | 15.98% | 14.77% | 14.76% | 13.80% | 11.94% | 10.88% | 9.76% | 9.19% | -461 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.93% | 60.08% | 60.83% | 65.06% | 67.33% | 64.50% | 68.28% | 73.12% | +806 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |