Brooklyn, NY · Cert 16012
FDIC · 28 branches
Q4 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2020, the quarter ended December 31, 2020, 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.
Brooklyn, NY · Cert 16012
FDIC · 28 branches
Q4 2020
Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2020 SOD (annual) · 0.2% share · #41 of 180 inst. · $4.6B of $2319.6B
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 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.77% | 0.82% | 0.67% | 0.62% | 0.63% | 0.75% | 0.84% | 0.71% | +9 bps | |
| Return on Equity | 7.25% | 7.77% | 6.34% | 5.91% | 5.91% | 7.04% | 8.00% | 6.80% | +88 bps | |
| Net Interest Margin | 2.30% | 2.34% | 2.33% | 2.46% | 2.64% | 2.73% | 2.75% | 2.84% | +38 bps | |
| Efficiency Ratio | 56.26% | 55.33% | 55.18% | 57.43% | 55.35% | 57.03% | 53.62% | 56.63% | -79 bps | |
| Non-Interest Burden | 1.22% | 1.22% | 1.20% | 1.32% | 1.32% | 1.42% | 1.32% | 1.45% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.34% | 3.93% | 2.09% | 0.55% | -1.97% | -0.48% | 3.03% | 6.73% | +618 bps | |
| Loan Growth (YoY) | -0.01% | 2.42% | 1.32% | -1.00% | -5.42% | -1.61% | 1.74% | 5.37% | +637 bps | |
| Deposit Growth (YoY) | -0.79% | 1.45% | 0.23% | -1.73% | -3.25% | 1.56% | 1.39% | 5.87% | +760 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.22% | 0.07% | 0.31% | 0.24% | 0.37% | 0.35% | 0.26% | 0.32% | +8 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | 0.14% | 0.20% | 0.00% | 0.00% | 0.00% | 0.23% | +3 bps | |
| Allowance / Loans | 0.40% | 0.38% | 0.50% | 0.53% | 0.70% | 0.78% | 0.87% | 0.74% | +20 bps | |
| Allowance Coverage of NPLs | 1.8x | 5.2x | 1.6x | 2.3x | 1.9x | 2.2x | 3.4x | 2.3x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.77% | 9.77% | 9.75% | 10.15% | 9.93% | 9.98% | 9.97% | 10.16% | +1 bps | |
| Total Risk-Based Capital | 12.84% | 12.56% | 12.38% | 13.44% | 13.46% | 13.99% | 13.87% | 13.30% | -14 bps | |
| Equity / Assets | 10.41% | 10.31% | 10.49% | 10.70% | 10.62% | 10.46% | 10.38% | 10.38% | -33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 120.12% | 121.19% | 120.67% | 121.84% | 117.43% | 117.41% | 121.08% | 121.26% | -57 bps | |
| Liquid Assets / Assets | 1.96% | 2.40% | 1.56% | 2.26% | 3.59% | 1.53% | 2.01% | 3.36% | +110 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |