Purchase, NY · Charter 23381
Q4 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.15% | 0.11% | 0.14% | 0.18% | 0.22% | 0.13% | 0.16% | 0.10% | -8 bps | |
| Return on Equity | 1.45% | 1.13% | 1.27% | 1.59% | 2.15% | 1.16% | 1.15% | 0.71% | -88 bps | |
| Net Interest Margin | 1.66% | 1.61% | 1.69% | 1.84% | 1.57% | 1.73% | 2.04% | 2.06% | +22 bps | |
| Efficiency Ratio | 93.05% | 94.58% | 93.17% | 89.48% | 89.39% | 94.19% | 94.14% | 94.80% | +532 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.16% | 21.52% | 4.04% | 6.87% | 2.70% | -10.10% | -20.24% | -16.44% | -2,331 bps | |
| Loan Growth (YoY) | -0.95% | -8.45% | -0.99% | -3.46% | -9.88% | -9.00% | -11.40% | -9.36% | -590 bps | |
| Share Growth (YoY) | 20.38% | 24.32% | 4.37% | 7.68% | 2.96% | -11.41% | -24.31% | -21.84% | -2,952 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.74% | 0.73% | 1.03% | 0.52% | 0.71% | 0.51% | 1.28% | 0.38% | -14 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 | 0.70% | 0.64% | 0.68% | 0.63% | 0.58% | 0.54% | 0.56% | 0.47% | -16 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.28% | 10.11% | 10.76% | 11.58% | 10.19% | 11.43% | 13.69% | 13.96% | +238 bps | |
| Net Worth / Assets | 10.28% | 10.11% | 10.76% | 11.58% | 10.19% | 11.43% | 13.69% | 13.96% | +238 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.54% | 39.52% | 42.50% | 45.01% | 36.36% | 40.60% | 49.75% | 52.20% | +719 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |