New York, NY · Charter 23500
Q2 2014
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 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.39% | 0.34% | 0.53% | 0.35% | -0.39% | -0.16% | 0.57% | 0.49% | +13 bps | |
| Return on Equity | 3.38% | 2.97% | 4.79% | 3.15% | -3.68% | -1.49% | 5.37% | 4.59% | +143 bps | |
| Net Interest Margin | 2.71% | 2.62% | 2.80% | 2.62% | 2.61% | 2.58% | 2.46% | 2.41% | -21 bps | |
| Efficiency Ratio | 84.84% | 86.03% | 79.41% | 84.26% | 107.24% | 98.85% | 74.71% | 78.19% | -607 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.44% | 7.79% | 9.62% | 8.40% | 6.28% | 5.57% | 3.49% | 4.51% | -389 bps | |
| Loan Growth (YoY) | 6.38% | 8.12% | 6.83% | -1.26% | -3.73% | -7.67% | -7.82% | -3.50% | -224 bps | |
| Share Growth (YoY) | 6.82% | 8.48% | 10.43% | 9.58% | 8.05% | 7.20% | 4.87% | 5.49% | -409 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.59% | 1.78% | 1.48% | 1.55% | 1.26% | 1.42% | 1.36% | 1.70% | +15 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 | 0.89% | 0.94% | 1.00% | 0.83% | 0.74% | 0.95% | 1.01% | 0.92% | +9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.66% | 11.40% | 11.11% | 11.19% | 10.72% | 10.64% | 10.59% | 10.63% | -56 bps | |
| Net Worth / Assets | 11.66% | 11.40% | 11.11% | 11.19% | 10.72% | 10.64% | 10.59% | 10.63% | -56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.83% | 36.75% | 34.35% | 32.75% | 32.81% | 31.65% | 30.19% | 29.96% | -279 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |