Yonkers, NY · Charter 17245
Q1 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2011, the quarter ended March 31, 2011, 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.
Yonkers, NY · Charter 17245
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 | -1.45% | 2.42% | 0.04% | 0.68% | 0.05% | -3.56% | -3.58% | 0.00% | -68 bps | |
| Return on Equity | -5.36% | 9.89% | 0.16% | 2.76% | 0.21% | -14.72% | -15.10% | 0.00% | -276 bps | |
| Net Interest Margin | 3.81% | 4.01% | 2.98% | 3.45% | 3.00% | 1.99% | 1.09% | 0.00% | -345 bps | |
| Efficiency Ratio | 73.45% | 46.27% | 61.42% | 52.10% | 78.02% | n/a | 1178% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.72% | 4.96% | 7.23% | 2.30% | 4.58% | -4.37% | -7.45% | -99.39% | -10,168 bps | |
| Loan Growth (YoY) | -44.54% | -61.34% | -34.06% | 13.30% | 5.03% | -28.31% | -100.00% | -100.00% | -11,330 bps | |
| Share Growth (YoY) | -15.25% | 8.42% | 11.65% | 5.77% | 6.19% | -3.92% | -7.75% | -100.00% | -10,577 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.37% | 6.73% | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | n/a | |
| 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 | 0.21% | 0.21% | 3.06% | 3.19% | 4.31% | 8.80% | n/a | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 27.02% | 24.52% | 23.45% | 24.63% | 25.89% | 24.17% | 23.69% | 100.00% | +7,537 bps | |
| Net Worth / Assets | 27.02% | 24.52% | 23.45% | 24.63% | 25.89% | 24.17% | 23.69% | 100.00% | +7,537 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 23.82% | 19.89% | 29.12% | 29.17% | 23.56% | 14.84% | 0.00% | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |