Mineola, NY · Charter 14129
Q2 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2012, the quarter ended June 30, 2012, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Mineola, NY · Charter 14129
Q2 2012
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 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.95% | -0.80% | 1.12% | 0.99% | 1.97% | -3.73% | -2.32% | -5.06% | -606 bps | |
| Return on Equity | -13.13% | -11.28% | 15.30% | 14.07% | 27.27% | -95.01% | -71.88% | -493% | -50,658 bps | |
| Net Interest Margin | 5.78% | 6.07% | 5.42% | 5.13% | 5.85% | 6.54% | 6.08% | 6.18% | +106 bps | |
| Efficiency Ratio | 104.12% | 105.48% | 81.34% | 82.31% | 69.24% | 107.20% | 74.75% | 97.37% | +1,506 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.95% | -4.96% | 1.21% | 6.08% | 3.74% | -2.90% | -4.60% | -6.17% | -1,225 bps | |
| Loan Growth (YoY) | -5.55% | 0.16% | 6.82% | 16.93% | 7.48% | -4.71% | -15.78% | -23.22% | -4,015 bps | |
| Share Growth (YoY) | 1.44% | -3.23% | 2.27% | 6.42% | 3.41% | 0.52% | -0.24% | -1.95% | -837 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.37% | 3.97% | 3.44% | 2.91% | 5.01% | 3.33% | 2.63% | 3.63% | +72 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 | 1.50% | 1.46% | 1.45% | 10.20% | 0.00% | 2.02% | 2.16% | 4.77% | -544 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.20% | 7.08% | 7.33% | 7.06% | 7.22% | 3.92% | 3.22% | 1.03% | -603 bps | |
| Net Worth / Assets | 7.20% | 7.08% | 7.33% | 7.06% | 7.22% | 3.92% | 3.22% | 1.03% | -603 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.70% | 70.94% | 71.41% | 72.66% | 65.16% | 67.25% | 60.29% | 56.89% | -1,576 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |