New York, NY · Charter 2184
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 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.
New York, NY · Charter 2184
Q1 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 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.36% | -2.29% | -2.34% | -3.23% | -3.01% | -3.54% | -3.30% | -4.35% | -112 bps | |
| Return on Equity | -20.32% | -22.98% | -24.62% | -32.29% | -27.55% | -29.91% | -21.58% | -37.68% | -539 bps | |
| Net Interest Margin | 0.95% | 0.69% | 0.55% | 0.11% | 0.15% | 0.23% | 0.24% | 0.14% | +4 bps | |
| Efficiency Ratio | 347% | 433% | 528% | 3168% | 992% | 1009% | 965% | 3108% | -5,946 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.15% | 3.04% | 3.60% | -5.70% | -9.02% | -28.46% | -31.32% | -25.96% | -2,027 bps | |
| Loan Growth (YoY) | -46.84% | -47.10% | -72.49% | -78.04% | -22.66% | -20.19% | 7.65% | -9.53% | +6,851 bps | |
| Share Growth (YoY) | -8.17% | 5.50% | 7.05% | -3.08% | -8.24% | -29.89% | -33.51% | -27.48% | -2,441 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 38.62% | 35.46% | 97.08% | 100.00% | 49.81% | 0.00% | 0.00% | 0.00% | -10,000 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 | 46.21% | 58.48% | 99.69% | 116.42% | 32.38% | 39.72% | 50.20% | 69.75% | -4,667 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.60% | 9.98% | 9.52% | 9.99% | 10.93% | 11.83% | 15.28% | 11.54% | +154 bps | |
| Net Worth / Assets | 11.60% | 9.98% | 9.52% | 9.99% | 10.93% | 11.83% | 15.28% | 11.54% | +154 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 5.68% | 4.04% | 2.38% | 2.33% | 4.79% | 4.60% | 3.85% | 2.90% | +58 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |