Poughkeepsie, NY · Cert 27181
FDIC · 4 branches
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 2014, 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.
Poughkeepsie, NY · Cert 27181
FDIC · 4 branches
Q3 2014
Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2014 SOD (annual) · 0.0% share · #148 of 226 inst. · $0.2B of $1405.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.96% | 0.72% | 0.67% | 0.76% | 0.83% | 0.83% | 0.84% | 0.94% | +18 bps | |
| Return on Equity | 8.83% | 6.69% | 6.13% | 6.94% | 7.48% | 7.32% | 7.29% | 8.15% | +120 bps | |
| Net Interest Margin | 3.99% | 3.93% | 3.86% | 3.91% | 3.94% | 3.98% | 3.54% | 3.88% | -2 bps | |
| Efficiency Ratio | 56.46% | 59.99% | 62.87% | 60.67% | 60.63% | 59.97% | 60.04% | 56.96% | -372 bps | |
| Non-Interest Burden | 2.06% | 2.23% | 2.32% | 2.24% | 2.25% | 2.27% | 2.03% | 2.08% | -16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.80% | 6.45% | 6.48% | 5.43% | -2.48% | 6.32% | 3.77% | 5.99% | +57 bps | |
| Loan Growth (YoY) | 13.36% | 7.01% | 6.41% | 2.65% | 6.57% | 6.91% | 9.02% | 12.08% | +943 bps | |
| Deposit Growth (YoY) | 23.57% | 6.16% | 6.36% | 5.03% | -3.54% | 6.06% | 3.08% | 5.54% | +50 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.69% | 0.57% | 0.39% | 0.36% | 0.33% | -0.06% | 0.45% | 0.42% | +6 bps | |
| Allowance / Loans | 1.38% | 1.40% | 1.46% | 1.50% | 1.40% | 1.52% | 1.34% | 1.31% | -19 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 13.96% | 14.02% | 14.14% | 14.36% | 14.08% | 14.35% | 14.16% | 14.16% | -20 bps | |
| Equity / Assets | 10.26% | 11.19% | 11.12% | 11.24% | 11.34% | 11.39% | 11.67% | 11.59% | +35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.55% | 94.10% | 93.42% | 92.73% | 95.62% | 94.86% | 98.81% | 98.48% | +575 bps | |
| Liquid Assets / Assets | 12.67% | 4.57% | 4.80% | 4.17% | 1.91% | 4.70% | 1.38% | 3.59% | -58 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |