New York, NY · Charter 22450
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, 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 22450
Q1 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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.57% | 0.51% | 0.47% | 0.80% | 0.30% | 0.35% | -0.97% | -12.44% | -1,325 bps | |
| Return on Equity | 12.17% | 10.63% | 8.87% | 14.76% | 5.84% | 6.66% | -19.59% | -652% | -66,627 bps | |
| Net Interest Margin | 5.27% | 5.18% | 5.57% | 5.71% | 5.00% | 5.22% | 5.56% | 5.30% | -40 bps | |
| Efficiency Ratio | 90.23% | 90.03% | 90.11% | 88.95% | 91.41% | 88.18% | 95.59% | 122.89% | +3,394 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.11% | 3.96% | -9.66% | -2.63% | -2.60% | -4.22% | -9.17% | -11.45% | -882 bps | |
| Loan Growth (YoY) | -16.92% | -1.55% | -2.64% | -0.49% | 1.07% | 3.78% | 7.29% | 7.53% | +802 bps | |
| Share Growth (YoY) | 4.61% | 3.87% | -10.92% | -3.51% | -3.85% | -4.63% | -8.01% | -9.41% | -589 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.78% | 2.15% | 1.81% | 1.93% | 2.46% | 1.75% | 2.68% | 3.21% | +128 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 | 1.46% | 1.35% | 1.04% | 1.10% | 0.90% | 0.86% | 1.54% | 5.20% | +411 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 4.70% | 4.78% | 5.31% | 5.42% | 5.12% | 5.31% | 4.98% | 1.91% | -351 bps | |
| Net Worth / Assets | 4.70% | 4.78% | 5.31% | 5.42% | 5.12% | 5.31% | 4.98% | 1.91% | -351 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.76% | 67.10% | 70.24% | 66.52% | 70.17% | 73.02% | 81.92% | 78.95% | +1,244 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |