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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.49% | 0.63% | 0.86% | 1.04% | 0.34% | -15 bps | |
| Return on Equity | 4.66% | 5.91% | 8.20% | 9.94% | 3.29% | -137 bps | |
| Net Interest Margin | 2.62% | 2.64% | 2.82% | 2.87% | 3.10% | +48 bps | |
| Efficiency Ratio | 63.56% | 55.35% | 58.60% | 47.30% | 64.41% | +86 bps | |
| Non-Interest Burden | 1.57% | 1.32% | 1.52% | 1.16% | 1.82% | +24 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.55% | -1.97% | -0.48% | 3.03% | 6.73% | +618 bps | |
| Loan Growth (YoY) | -1.00% | -5.42% | -1.61% | 1.74% | 5.37% | +637 bps | |
| Deposit Growth (YoY) | -1.73% | -3.25% | 1.56% | 1.39% | 5.87% | +760 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.24% | 0.37% | 0.35% | 0.26% | 0.32% | +8 bps | |
| Net Charge-Offs / Loans | 0.38% | 0.00% | 0.00% | 0.00% | 0.94% | +56 bps | |
| Allowance / Loans | 0.53% | 0.70% | 0.78% | 0.87% | 0.74% | +20 bps | |
| Allowance Coverage of NPLs | 2.3x | 1.9x | 2.2x | 3.4x | 2.3x | +0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.15% | 9.93% | 9.98% | 9.97% | 10.16% | +1 bps | |
| Total Risk-Based Capital | 13.44% | 13.46% | 13.99% | 13.87% | 13.30% | -14 bps | |
| Equity / Assets | 10.70% | 10.62% | 10.46% | 10.38% | 10.38% | -33 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 121.84% | 117.43% | 117.41% | 121.08% | 121.26% | -57 bps | |
| Liquid Assets / Assets | 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 |