Melvillle, NY · Charter 14697
Q4 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 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.62% | -4.56% | -4.50% | -4.32% | -3.25% | -2.81% | -2.38% | -2.59% | +173 bps | |
| Return on Equity | -6.76% | -6.75% | -6.65% | -6.38% | -5.01% | -4.34% | -3.73% | -4.21% | +217 bps | |
| Net Interest Margin | 1.13% | 0.63% | 0.67% | 0.65% | 0.83% | 0.98% | 1.03% | 0.78% | +12 bps | |
| Efficiency Ratio | 499% | 807% | 763% | 754% | 493% | 387% | 330% | 433% | -32,076 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.81% | -8.80% | -11.44% | -7.61% | -0.44% | -0.48% | 1.92% | 5.57% | +1,318 bps | |
| Loan Growth (YoY) | -48.44% | -54.23% | -52.31% | -41.97% | -36.14% | -32.19% | -37.38% | -45.85% | -388 bps | |
| Share Growth (YoY) | -6.02% | -7.41% | -14.63% | -8.03% | 10.49% | 8.31% | 13.96% | 25.94% | +3,397 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 26.18% | 0.00% | 26.80% | +2,680 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 | 7.54% | 9.36% | 10.30% | 10.82% | 11.80% | 13.80% | 16.45% | 19.99% | +916 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 68.36% | 67.62% | 67.70% | 67.70% | 64.82% | 64.62% | 63.77% | 61.54% | -616 bps | |
| Net Worth / Assets | 68.36% | 67.62% | 67.70% | 67.70% | 64.82% | 64.62% | 63.77% | 61.54% | -616 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 21.50% | 17.01% | 15.76% | 15.24% | 12.43% | 10.65% | 8.66% | 6.55% | -869 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |