Holbrook, NY · Charter 8814
Q4 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.33% | -10.83% | -16.35% | -27.21% | -68.08% | 35.79% | -17.41% | -95.69% | -6,848 bps | |
| Return on Equity | -62.62% | -178.66% | -268% | -365% | -709% | 105.70% | -184.26% | -1295% | -92,926 bps | |
| Net Interest Margin | 3.16% | 3.99% | 5.67% | 9.63% | 1.66% | 0.68% | 0.73% | 2.56% | -706 bps | |
| Efficiency Ratio | 187.35% | 282% | 301% | 301% | 1355% | 86.49% | 107.86% | 111.25% | -18,992 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -45.24% | -62.31% | -74.09% | -82.54% | -93.54% | -84.55% | -82.48% | -92.77% | -1,024 bps | |
| Loan Growth (YoY) | -34.76% | -37.56% | -38.13% | -61.52% | -98.06% | -99.20% | -100.00% | -100.00% | -3,848 bps | |
| Share Growth (YoY) | -44.83% | -61.88% | -73.85% | -82.70% | -93.77% | -89.45% | -83.24% | -92.75% | -1,006 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.24% | 0.27% | 0.30% | 0.54% | 12.11% | 0.00% | n/a | n/a | n/a | |
| 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 | 0.55% | 0.62% | 0.71% | 1.27% | 28.36% | 0.00% | n/a | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 6.91% | 6.06% | 6.09% | 7.45% | 9.60% | 33.86% | 9.45% | 7.39% | -6 bps | |
| Net Worth / Assets | 6.91% | 6.06% | 6.09% | 7.45% | 9.60% | 33.86% | 9.45% | 7.39% | -6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 26.87% | 33.84% | 47.80% | 51.11% | 8.39% | 2.57% | 0.00% | 0.00% | -5,111 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |