New York, NY · Charter 4562
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 4562
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 | -1.40% | -6.24% | -4.64% | -8.49% | -5.36% | -4.13% | -3.91% | -4.71% | +379 bps | |
| Return on Equity | -13.17% | -84.11% | -52.49% | -127.84% | -80.17% | -66.92% | -65.70% | -104.34% | +2,349 bps | |
| Net Interest Margin | 4.53% | 4.45% | 4.88% | 4.20% | 4.46% | 4.34% | 4.44% | 4.36% | +16 bps | |
| Efficiency Ratio | 110.92% | 123.74% | 125.14% | 139.11% | 133.74% | 129.51% | 131.74% | 108.85% | -3,026 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.14% | -13.94% | -17.22% | -16.10% | -20.55% | -14.52% | -10.31% | -6.97% | +912 bps | |
| Loan Growth (YoY) | -0.80% | -5.16% | -10.71% | -14.44% | -19.73% | -13.58% | -4.66% | -7.03% | +740 bps | |
| Share Growth (YoY) | -7.80% | -10.78% | -21.43% | -16.78% | -17.88% | -13.49% | -4.64% | -5.86% | +1,092 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 9.48% | 9.80% | 8.92% | 8.91% | 9.92% | 9.30% | 6.69% | 8.70% | -21 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 | 0.72% | 4.29% | 3.05% | 4.64% | 5.05% | 4.91% | 4.85% | 6.11% | +147 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.64% | 7.41% | 8.84% | 6.64% | 6.68% | 6.18% | 5.95% | 4.51% | -213 bps | |
| Net Worth / Assets | 10.64% | 7.41% | 8.84% | 6.64% | 6.68% | 6.18% | 5.95% | 4.51% | -213 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.88% | 87.91% | 93.53% | 86.95% | 85.91% | 87.81% | 93.51% | 85.86% | -109 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |