Lake Ronkonkoma, NY · Charter 22904
Q2 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2013, the quarter ended June 30, 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.
Lake Ronkonkoma, NY · Charter 22904
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 | -2.40% | -1.74% | 15.98% | 7.48% | 4.76% | 3.28% | -5.42% | -12.29% | -1,977 bps | |
| Return on Equity | -49.26% | -36.01% | 189.29% | 89.96% | 58.77% | 42.01% | -85.61% | -675% | -76,527 bps | |
| Net Interest Margin | 3.56% | 3.60% | 2.93% | 2.90% | 2.88% | 2.80% | 2.53% | 2.56% | -34 bps | |
| Efficiency Ratio | 110.02% | 104.29% | 25.13% | 42.63% | 52.63% | 61.65% | 206% | 407% | +36,412 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.30% | -13.35% | -2.06% | 0.12% | 3.52% | 7.30% | 1.91% | -0.38% | -50 bps | |
| Loan Growth (YoY) | -35.36% | -45.38% | -38.32% | -34.35% | -21.74% | -21.80% | -15.37% | -17.08% | +1,727 bps | |
| Share Growth (YoY) | -4.14% | -11.38% | -5.10% | -3.25% | -0.16% | 4.01% | 4.35% | 5.21% | +846 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.91% | 1.44% | 2.20% | 3.79% | 6.42% | 4.96% | 3.65% | 2.31% | -148 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 | 4.17% | 4.08% | 3.27% | 2.89% | 2.73% | 2.00% | 3.25% | 2.73% | -16 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 4.88% | 4.82% | 8.44% | 8.31% | 8.09% | 7.80% | 6.33% | 1.82% | -649 bps | |
| Net Worth / Assets | 4.88% | 4.82% | 8.44% | 8.31% | 8.09% | 7.80% | 6.33% | 1.82% | -649 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 30.33% | 29.49% | 25.40% | 24.41% | 23.77% | 22.17% | 20.60% | 19.24% | -517 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |