Spring Valley, NY · Charter 60308
Q1 2015
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.42% | 0.36% | 0.33% | 0.77% | 0.38% | 0.34% | 0.19% | 0.48% | -29 bps | |
| Return on Equity | 8.21% | 6.19% | 5.44% | 13.44% | 6.71% | 5.26% | 2.87% | 7.76% | -568 bps | |
| Net Interest Margin | 2.80% | 3.23% | 3.32% | 3.12% | 3.07% | 3.52% | 3.62% | 3.20% | +8 bps | |
| Efficiency Ratio | 89.04% | 91.43% | 92.36% | 82.94% | 87.40% | 87.99% | 92.46% | 89.28% | +634 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.32% | -2.84% | -4.32% | -3.89% | -3.11% | -3.98% | -4.04% | -6.11% | -223 bps | |
| Loan Growth (YoY) | 0.60% | 4.97% | 6.51% | 9.54% | 1.69% | 1.91% | 8.83% | 2.73% | -682 bps | |
| Share Growth (YoY) | -3.66% | -3.18% | -4.95% | -4.25% | -3.46% | -4.50% | -4.54% | -6.62% | -237 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.31% | 1.31% | 1.04% | 1.23% | 0.77% | 0.48% | 1.05% | 1.67% | +44 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 | 0.34% | 0.21% | 0.23% | 0.18% | 0.25% | 0.24% | 0.24% | 0.26% | +9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 5.17% | 5.87% | 6.01% | 5.72% | 5.64% | 6.45% | 6.48% | 6.23% | +50 bps | |
| Net Worth / Assets | 5.17% | 5.87% | 6.01% | 5.72% | 5.64% | 6.45% | 6.48% | 6.23% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 25.41% | 29.64% | 29.54% | 26.42% | 26.77% | 31.62% | 33.67% | 29.07% | +264 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |