New Rochelle, NY · Charter 6107
Q4 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 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.53% | -2.08% | -1.45% | -3.08% | -2.16% | -1.34% | -1.74% | -1.51% | +157 bps | |
| Return on Equity | 2.63% | -10.94% | -8.82% | -20.84% | -15.20% | -9.51% | -10.54% | -8.86% | +1,198 bps | |
| Net Interest Margin | 3.86% | 3.47% | 3.05% | 3.06% | 2.45% | 2.32% | 2.56% | 2.46% | -61 bps | |
| Efficiency Ratio | 86.37% | 88.65% | 95.86% | 94.00% | 113.80% | 118.49% | 124.16% | 127.16% | +3,316 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.98% | 11.09% | 16.59% | 1.89% | 1.65% | 3.02% | -18.71% | -17.08% | -1,898 bps | |
| Loan Growth (YoY) | -16.59% | -20.73% | -22.04% | -28.01% | -31.07% | -33.20% | -40.27% | -39.95% | -1,195 bps | |
| Share Growth (YoY) | 17.08% | 16.05% | 26.45% | 8.82% | 9.35% | 9.57% | -18.69% | -19.26% | -2,808 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 9.69% | 12.77% | 14.33% | 11.85% | 16.56% | 29.26% | 21.18% | 7.66% | -419 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 | 0.18% | 3.77% | 4.02% | 4.41% | 6.89% | 7.45% | 8.31% | 10.09% | +568 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.02% | 19.03% | 16.39% | 14.76% | 14.18% | 14.07% | 16.48% | 16.99% | +223 bps | |
| Net Worth / Assets | 20.02% | 19.03% | 16.39% | 14.76% | 14.18% | 14.07% | 16.48% | 16.99% | +223 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.25% | 43.17% | 38.00% | 32.60% | 28.52% | 26.32% | 27.91% | 24.25% | -836 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |