Bronx, NY · Charter 19907
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 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.
Bronx, NY · Charter 19907
Q3 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 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.50% | -7.34% | -11.69% | -8.21% | -5.39% | -20.89% | -12.16% | -9.29% | -109 bps | |
| Return on Equity | -19.42% | -63.78% | -135.47% | -92.32% | -47.95% | -423% | -211% | -166.49% | -7,417 bps | |
| Net Interest Margin | 3.98% | 3.63% | 3.69% | 3.67% | 3.61% | 3.36% | 4.03% | 4.27% | +60 bps | |
| Efficiency Ratio | 102.29% | 148.77% | 161.21% | 156.53% | 125.31% | 114.36% | 101.94% | 117.12% | -3,941 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -42.15% | -42.68% | -23.39% | -24.08% | -16.47% | -16.20% | -24.49% | -25.97% | -189 bps | |
| Loan Growth (YoY) | -3.82% | -14.27% | -18.68% | -27.95% | -19.45% | -26.41% | -22.18% | -19.47% | +848 bps | |
| Share Growth (YoY) | -46.58% | -45.18% | -18.34% | -19.96% | -12.95% | -8.27% | -20.40% | -22.63% | -267 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.67% | 9.13% | 16.54% | 17.87% | 17.44% | 10.82% | 15.35% | 13.53% | -434 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 | 3.94% | 5.19% | 9.27% | 8.57% | 8.82% | 10.22% | 10.47% | 9.45% | +87 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.89% | 11.51% | 8.63% | 8.89% | 11.24% | 4.94% | 5.76% | 5.58% | -331 bps | |
| Net Worth / Assets | 12.89% | 11.51% | 8.63% | 8.89% | 11.24% | 4.94% | 5.76% | 5.58% | -331 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.45% | 66.85% | 65.61% | 64.79% | 66.12% | 53.62% | 64.14% | 67.44% | +265 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |