Troy, NY · Charter 21838
Q2 2013
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 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.65% | -3.18% | -3.45% | -2.88% | -3.13% | -3.55% | -3.58% | -4.37% | -149 bps | |
| Return on Equity | -13.77% | -15.72% | -17.30% | -14.79% | -15.41% | -15.95% | -17.53% | -20.82% | -603 bps | |
| Net Interest Margin | 1.49% | 1.72% | 1.67% | 1.80% | 1.75% | 2.10% | 1.31% | 1.71% | -9 bps | |
| Efficiency Ratio | 274% | 280% | 306% | 260% | 277% | 267% | 373% | 356% | +9,611 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.72% | -12.10% | -7.84% | -11.00% | -19.09% | -21.56% | -15.25% | -21.57% | -1,056 bps | |
| Loan Growth (YoY) | -16.71% | -6.09% | -5.12% | -18.62% | -2.26% | -10.40% | -2.26% | 4.03% | +2,265 bps | |
| Share Growth (YoY) | -2.61% | -10.69% | -6.06% | -10.17% | -20.25% | -23.61% | -15.84% | -23.32% | -1,315 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 1.00% | 1.16% | 1.17% | 1.00% | 1.03% | 1.10% | 1.12% | -5 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 | 8.61% | 8.19% | 9.52% | 10.32% | 8.81% | 9.14% | 9.74% | 9.92% | -40 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.22% | 20.22% | 19.93% | 19.50% | 20.30% | 22.23% | 20.40% | 21.00% | +150 bps | |
| Net Worth / Assets | 19.22% | 20.22% | 19.93% | 19.50% | 20.30% | 22.23% | 20.40% | 21.00% | +150 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 24.91% | 29.25% | 25.80% | 23.85% | 30.53% | 34.31% | 29.97% | 32.35% | +850 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |