New York, NY · Charter 24411
Q4 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2015, the quarter ended December 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.
New York, NY · Charter 24411
Q4 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 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.02% | -0.60% | -0.69% | -1.70% | -3.01% | -2.52% | -1.87% | -6.30% | -460 bps | |
| Return on Equity | -0.18% | -7.21% | -8.32% | -23.30% | -44.37% | -39.54% | -29.58% | -385% | -36,127 bps | |
| Net Interest Margin | 5.25% | 5.23% | 5.35% | 5.56% | 5.67% | 5.63% | 5.60% | 5.67% | +11 bps | |
| Efficiency Ratio | 96.58% | 99.00% | 98.95% | 99.13% | 95.31% | 98.46% | 96.73% | 168.11% | +6,898 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.21% | -2.18% | -1.23% | -2.17% | -7.15% | -8.16% | -7.97% | -8.04% | -587 bps | |
| Loan Growth (YoY) | 6.69% | 9.22% | 11.98% | 7.92% | 2.89% | -5.06% | -12.49% | -11.00% | -1,893 bps | |
| Share Growth (YoY) | -3.20% | -1.96% | 0.00% | -0.37% | -4.56% | -6.40% | -6.01% | -5.18% | -481 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.50% | 1.06% | 2.77% | 2.04% | 2.02% | 1.57% | 1.23% | 1.68% | -36 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 | 0.25% | 0.28% | 0.32% | 0.81% | 1.88% | 2.12% | 2.12% | 1.04% | +22 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.62% | 8.35% | 8.24% | 7.30% | 6.78% | 6.38% | 6.32% | 1.64% | -566 bps | |
| Net Worth / Assets | 8.62% | 8.35% | 8.24% | 7.30% | 6.78% | 6.38% | 6.32% | 1.64% | -566 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.70% | 67.86% | 73.38% | 74.16% | 71.90% | 68.82% | 68.32% | 69.60% | -456 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |