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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.00% | 1.09% | 1.10% | 1.10% | 1.09% | 1.09% | 1.13% | 1.10% | 0 bps | |
| Return on Equity | 7.60% | 8.46% | 8.57% | 8.54% | 8.52% | 8.79% | 9.29% | 9.15% | +61 bps | |
| Net Interest Margin | 2.17% | 2.43% | 2.40% | 2.42% | 2.37% | 2.38% | 2.37% | 2.27% | -14 bps | |
| Efficiency Ratio | 41.51% | 37.69% | 37.94% | 38.10% | 38.01% | 38.56% | 36.63% | 36.91% | -119 bps | |
| Non-Interest Burden | 0.80% | 0.81% | 0.81% | 0.82% | 0.80% | 0.82% | 0.77% | 0.74% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.97% | 6.26% | 6.01% | 5.35% | 5.69% | 5.77% | 9.75% | 8.75% | +340 bps | |
| Loan Growth (YoY) | 2.64% | 2.30% | 2.75% | 1.72% | 6.37% | 8.07% | 11.39% | 12.13% | +1,040 bps | |
| Deposit Growth (YoY) | 2.35% | 6.89% | 7.71% | 9.12% | 8.01% | 10.93% | 20.54% | 20.28% | +1,116 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.09% | 0.08% | 0.07% | 0.06% | 0.07% | 0.13% | 0.10% | 0.09% | +3 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.00% | -0.03% | -0.02% | 0.00% | 0.01% | -0.02% | -0.01% | +1 bps | |
| Allowance / Loans | 0.45% | 0.46% | 0.46% | 0.46% | 0.44% | 0.42% | 0.45% | 0.45% | -1 bps | |
| Allowance Coverage of NPLs | 5.1x | 6.0x | 6.4x | 7.1x | 6.1x | 3.1x | 4.3x | 4.8x | -2.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.48% | 9.35% | 9.15% | 9.41% | 9.33% | 9.20% | 8.96% | 8.92% | -49 bps | |
| Total Risk-Based Capital | 12.62% | 12.77% | 12.71% | 12.76% | 12.38% | 12.07% | 11.69% | 11.82% | -94 bps | |
| Equity / Assets | 13.03% | 12.66% | 12.90% | 12.89% | 12.65% | 12.13% | 11.60% | 11.55% | -134 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 131.95% | 125.99% | 126.95% | 125.68% | 129.94% | 122.74% | 117.31% | 117.16% | -852 bps | |
| Liquid Assets / Assets | 2.84% | 3.68% | 2.55% | 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 | n/a | n/a | n/a |