New York, NY · Charter 23967
Q2 2015
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 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.11% | -2.66% | -1.52% | -1.18% | -1.91% | -1.67% | -2.49% | -11.78% | -1,060 bps | |
| Return on Equity | -25.95% | -35.18% | -21.90% | -17.48% | -31.66% | -27.44% | -43.67% | -2215% | -219,742 bps | |
| Net Interest Margin | 4.09% | 4.37% | 3.98% | 4.21% | 4.19% | 4.25% | 3.79% | 3.96% | -25 bps | |
| Efficiency Ratio | 121.04% | 126.99% | 132.21% | 124.15% | 126.06% | 130.59% | 152.80% | 132.10% | +795 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -16.61% | -9.67% | -7.71% | -6.03% | -3.61% | -2.54% | -9.21% | -9.99% | -396 bps | |
| Loan Growth (YoY) | 9.98% | 40.55% | 41.63% | 42.74% | 16.63% | -10.79% | -9.71% | -8.95% | -5,169 bps | |
| Share Growth (YoY) | -16.08% | -8.32% | -5.86% | -3.27% | -1.12% | -0.48% | -7.64% | -10.43% | -716 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.41% | 5.66% | 1.06% | 5.46% | 6.05% | 5.21% | 0.18% | 5.15% | -31 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 | 2.02% | 2.05% | 2.12% | 1.38% | 2.48% | 1.54% | 1.68% | 7.74% | +636 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.13% | 7.55% | 6.94% | 6.77% | 6.04% | 6.08% | 5.70% | 0.53% | -624 bps | |
| Net Worth / Assets | 8.13% | 7.55% | 6.94% | 6.77% | 6.04% | 6.08% | 5.70% | 0.53% | -624 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 42.29% | 55.82% | 52.12% | 50.38% | 49.88% | 50.04% | 50.96% | 51.21% | +83 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |