New York, NY · Charter 24772
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, 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 24772
Q1 2013
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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.48% | 0.62% | -5.31% | -6.37% | -10.71% | -14.11% | -15.16% | -2.24% | +413 bps | |
| Return on Equity | 6.41% | 2.54% | -32.11% | -32.12% | -69.77% | -111.87% | -117.81% | -31.00% | +112 bps | |
| Net Interest Margin | 3.49% | 4.19% | 3.98% | 1.28% | 1.16% | 1.30% | 1.42% | 0.38% | -90 bps | |
| Efficiency Ratio | 66.44% | 70.50% | 93.02% | 1832% | 1233% | 890% | 891% | 295% | -153,695 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.57% | -11.05% | -30.23% | -32.01% | -14.09% | -18.06% | -26.46% | -27.56% | +445 bps | |
| Loan Growth (YoY) | 18.30% | -27.51% | -46.62% | -61.08% | -66.82% | -64.11% | -54.32% | -44.69% | +1,639 bps | |
| Share Growth (YoY) | -7.22% | -18.40% | -32.35% | -33.98% | -5.42% | -5.39% | -19.04% | -14.98% | +1,899 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 14.94% | 20.11% | 34.41% | 31.92% | 34.37% | 28.60% | 30.13% | 30.82% | -110 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 | 2.93% | 4.71% | 19.69% | 9.40% | 8.69% | 19.62% | 24.40% | 29.08% | +1,968 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 23.12% | 24.37% | 16.55% | 19.85% | 15.35% | 12.61% | 12.87% | 7.22% | -1,262 bps | |
| Net Worth / Assets | 23.12% | 24.37% | 16.55% | 19.85% | 15.35% | 12.61% | 12.87% | 7.22% | -1,262 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.75% | 69.84% | 50.27% | 38.50% | 29.38% | 26.49% | 28.36% | 25.04% | -1,345 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |