Flushing, NY · Cert 16022
FDIC · 237 branches
Q3 2022
Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2022 SOD (annual) · 1.2% share · #13 of 162 inst. · $34.3B of $2794.5B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.09% | 1.08% | 1.09% | 1.16% | 1.03% | -7 bps | |
| Return on Equity | 8.48% | 8.47% | 8.79% | 9.81% | 8.88% | +39 bps | |
| Net Interest Margin | 2.38% | 2.38% | 2.38% | 2.46% | 2.18% | -20 bps | |
| Efficiency Ratio | 38.44% | 37.73% | 38.56% | 34.86% | 37.50% | -94 bps | |
| Non-Interest Burden | 0.81% | 0.79% | 0.82% | 0.74% | 0.72% | -10 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.35% | 5.69% | 5.77% | 9.75% | 8.75% | +340 bps | |
| Loan Growth (YoY) | 1.72% | 6.37% | 8.07% | 11.39% | 12.13% | +1,040 bps | |
| Deposit Growth (YoY) | 9.12% | 8.01% | 10.93% | 20.54% | 20.28% | +1,116 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.06% | 0.07% | 0.13% | 0.10% | 0.09% | +3 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.05% | 0.01% | -0.05% | 0.00% | 0 bps | |
| Allowance / Loans | 0.46% | 0.44% | 0.42% | 0.45% | 0.45% | -1 bps | |
| Allowance Coverage of NPLs | 7.1x | 6.1x | 3.1x | 4.3x | 4.8x | -2.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.41% | 9.33% | 9.20% | 8.96% | 8.92% | -49 bps | |
| Total Risk-Based Capital | 12.76% | 12.38% | 12.07% | 11.69% | 11.82% | -94 bps | |
| Equity / Assets | 12.89% | 12.65% | 12.13% | 11.60% | 11.55% | -134 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 125.68% | 129.94% | 122.74% | 117.31% | 117.16% | -852 bps | |
| Liquid Assets / Assets | 3.25% | 2.78% | 4.01% | 4.38% | 1.44% | -180 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |