Mount Vernon, NY · Cert 23047
FDIC · 6 branches
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.
Mount Vernon, NY · Cert 23047
FDIC · 6 branches
Q1 2015
Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2014 SOD (annual) · 0.0% share · #141 of 226 inst. · $0.2B of $1405.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
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 | 0.35% | 0.34% | 0.34% | 0.29% | 0.30% | 0.32% | 0.34% | 0.39% | +10 bps | |
| Return on Equity | 4.68% | 4.40% | 4.50% | 3.75% | 3.84% | 4.00% | 4.24% | 4.64% | +89 bps | |
| Net Interest Margin | 3.52% | 3.52% | 3.51% | 3.43% | 3.34% | 3.37% | 3.45% | 3.56% | +13 bps | |
| Efficiency Ratio | 78.67% | 80.56% | 80.01% | 82.92% | 83.16% | 82.56% | 82.33% | 80.37% | -255 bps | |
| Non-Interest Burden | 2.74% | 2.81% | 2.79% | 2.82% | 2.76% | 2.76% | 2.82% | 2.84% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.78% | -2.18% | -3.83% | 1.75% | 3.91% | 5.68% | 1.73% | -0.34% | -209 bps | |
| Loan Growth (YoY) | 7.42% | 2.47% | 2.82% | 2.40% | 6.46% | 7.46% | 2.82% | 0.91% | -149 bps | |
| Deposit Growth (YoY) | 2.43% | 4.49% | -0.45% | 3.73% | 5.65% | 6.46% | -1.99% | -5.52% | -925 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.24% | 0.14% | 0.28% | 0.12% | 0.07% | 0.06% | 0.12% | 0.08% | -4 bps | |
| Allowance / Loans | 0.39% | 0.44% | 0.30% | 0.30% | 0.31% | 0.33% | 0.30% | 0.32% | +1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 8.44% | n/a | n/a |
| Total Risk-Based Capital | 12.74% | 12.91% | 12.75% | 12.26% | 12.20% | 12.36% | 12.79% | 12.79% | +53 bps | |
| Equity / Assets | 7.87% | 7.86% | 7.76% | 7.84% | 7.91% | 7.97% | 8.29% | 8.50% | +66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.30% | 97.68% | 97.47% | 95.50% | 97.05% | 98.60% | 102.26% | 102.00% | +651 bps | |
| Liquid Assets / Assets | 1.31% | 0.10% | 0.75% | 1.02% | 0.36% | 0.66% | 0.62% | 0.50% | -52 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |