Walden, NY · Cert 28379
FDIC · 4 branches
Q2 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2017, the quarter ended June 30, 2017, 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.
Walden, NY · Cert 28379
FDIC · 4 branches
Q2 2017
Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2017 SOD (annual) · 0.0% share · #174 of 210 inst. · $0.1B of $1816.5B
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 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.36% | -0.37% | -0.36% | -0.64% | -0.47% | -11 bps | |
| Return on Equity | -5.68% | -5.87% | -5.70% | -10.58% | -7.82% | -214 bps | |
| Net Interest Margin | 3.68% | 3.66% | 3.63% | 3.65% | 3.62% | -6 bps | |
| Efficiency Ratio | 105.57% | 105.70% | 108.07% | 111.93% | 108.76% | +319 bps | |
| Non-Interest Burden | 4.02% | 4.01% | 4.12% | 4.29% | 4.10% | +8 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.00% | 1.20% | 0.24% | -1.43% | -4.59% | -359 bps | |
| Loan Growth (YoY) | -0.65% | -2.56% | -3.47% | -2.99% | -5.55% | -490 bps | |
| Deposit Growth (YoY) | -4.88% | 0.89% | -2.52% | -1.56% | -4.66% | +22 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 3.35% | 3.97% | +397 bps | |
| Net Charge-Offs / Loans | 0.28% | 0.19% | 0.26% | -0.01% | -0.01% | -29 bps | |
| Allowance / Loans | 1.90% | 1.92% | 1.68% | 1.69% | 1.72% | -18 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 0.5x | 0.4x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 5.85% | 5.74% | 5.75% | 5.78% | 5.83% | -2 bps | |
| Total Risk-Based Capital | 9.09% | 9.09% | 9.34% | 9.15% | 9.26% | +17 bps | |
| Equity / Assets | 6.24% | 6.04% | 6.10% | 6.02% | 6.10% | -14 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 104.07% | 99.10% | 102.69% | 102.30% | 103.10% | -97 bps | |
| Liquid Assets / Assets | 1.14% | 3.16% | 2.13% | 2.41% | 1.04% | -10 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |