Lakeville, CT · Cert 18467
FDIC · 13 branches
Q2 2023
Market Position · Kiryas Joel-Poughkeepsie-Newburgh, NY · 2023 SOD (annual) · 2.8% share · #11 of 27 inst. · $0.5B of $18.7B
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 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.07% | 1.13% | 1.16% | 0.93% | 0.98% | -9 bps | |
| Return on Equity | 10.76% | 11.48% | 11.86% | 9.73% | 10.18% | -58 bps | |
| Net Interest Margin | 2.97% | 2.95% | 2.99% | 2.91% | 2.68% | -29 bps | |
| Efficiency Ratio | 59.83% | 58.47% | 57.89% | 60.59% | 62.91% | +308 bps | |
| Non-Interest Burden | 1.43% | 1.40% | 1.41% | 1.49% | 1.42% | -2 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.12% | 2.34% | 0.84% | 6.87% | 4.18% | +6 bps | |
| Loan Growth (YoY) | 9.95% | 11.16% | 13.50% | 15.78% | 9.01% | -93 bps | |
| Deposit Growth (YoY) | 5.79% | 2.68% | 1.58% | 0.12% | 3.28% | -251 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.37% | 0.16% | 0.22% | 0.18% | 0.11% | -26 bps | |
| Net Charge-Offs / Loans | 0.13% | 0.09% | 0.07% | 0.01% | 0.01% | -11 bps | |
| Allowance / Loans | 1.19% | 1.20% | 1.21% | 1.28% | 1.24% | +5 bps | |
| Allowance Coverage of NPLs | 3.2x | 7.7x | 5.6x | 7.1x | 11.8x | +8.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.04% | 9.83% | 9.99% | 9.98% | 10.15% | +12 bps | |
| Total Risk-Based Capital | 13.28% | 13.24% | 13.43% | 13.41% | 13.66% | +38 bps | |
| Equity / Assets | 9.71% | 9.34% | 9.52% | 9.64% | 9.73% | +2 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 86.93% | 89.47% | 90.08% | 96.33% | 91.76% | +482 bps | |
| Liquid Assets / Assets | 4.21% | 3.31% | 2.90% | 2.80% | 2.97% | -124 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |