Huntington, NY · Charter 17289
Q4 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2015, the quarter ended December 31, 2015, 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.
Huntington, NY · Charter 17289
Q4 2015
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 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -5.62% | -8.95% | -7.54% | -8.89% | -9.88% | -8.66% | -60522% | 0.00% | +889 bps | |
| Return on Equity | -19.16% | -33.22% | -28.31% | -37.18% | -44.75% | -41.91% | -60522% | n/a | n/a | |
| Net Interest Margin | 0.34% | -3.08% | -1.94% | -3.27% | 0.64% | 0.05% | 417% | 0.00% | +327 bps | |
| Efficiency Ratio | 1792% | n/a | n/a | n/a | 1586% | n/a | n/a | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.95% | -16.32% | -10.70% | -9.75% | -8.69% | -8.39% | -99.99% | -99.98% | -9,023 bps | |
| Loan Growth (YoY) | -34.45% | -36.91% | -39.02% | -35.66% | -36.26% | -31.57% | -100.00% | -100.00% | -6,434 bps | |
| Share Growth (YoY) | -13.50% | -14.83% | -4.38% | -2.45% | 0.69% | 1.93% | -100.00% | -100.00% | -9,755 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 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 | 0.00% | 0.00% | 0.52% | 2.90% | 0.00% | 0.00% | n/a | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 29.34% | 26.95% | 26.62% | 23.92% | 22.08% | 20.67% | 100.00% | 0.00% | -2,392 bps | |
| Net Worth / Assets | 29.34% | 26.95% | 26.62% | 23.92% | 22.08% | 20.67% | 100.00% | 0.00% | -2,392 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 1.84% | 1.66% | 1.46% | 1.35% | 1.16% | 1.11% | n/a | 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 | |