Yonkers, NY · Cert 20693
FDIC · 28 branches
Q1 2015
Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2014 SOD (annual) · 0.2% share · #36 of 226 inst. · $2.9B of $1405.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.46% | 0.32% | -1.16% | 0.20% | 0.31% | 0.40% | 0.15% | 0.64% | +44 bps | |
| Return on Equity | 4.71% | 3.34% | -12.33% | 2.12% | 3.32% | 4.50% | 1.61% | 6.90% | +478 bps | |
| Net Interest Margin | 2.86% | 2.79% | 2.78% | 2.96% | 2.89% | 2.95% | 3.17% | 3.06% | +10 bps | |
| Efficiency Ratio | 79.67% | 85.74% | 84.17% | 91.06% | 85.04% | 80.45% | 90.73% | 73.46% | -1,761 bps | |
| Non-Interest Burden | 2.18% | 2.32% | 4.79% | 2.65% | 2.39% | 2.28% | 2.85% | 2.16% | -49 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.89% | 3.14% | 3.69% | 2.67% | 8.13% | 3.24% | 4.63% | 10.42% | +775 bps | |
| Loan Growth (YoY) | -4.81% | 4.69% | 11.06% | 17.29% | 19.52% | 15.83% | 18.13% | 18.82% | +153 bps | |
| Deposit Growth (YoY) | 7.58% | 4.55% | 4.53% | 3.99% | 8.95% | 3.91% | 5.58% | 11.53% | +755 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.12% | 0.21% | 0.13% | -0.20% | 0.02% | 0.04% | 0.20% | 0.07% | +27 bps | |
| Allowance / Loans | 1.75% | 1.64% | 1.59% | 1.62% | 1.54% | 1.52% | 1.42% | 1.44% | -18 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 9.26% | n/a | n/a |
| Total Risk-Based Capital | 17.45% | 16.92% | 17.09% | 17.16% | 15.66% | 15.25% | 14.84% | 14.89% | -227 bps | |
| Equity / Assets | 9.54% | 9.45% | 9.28% | 9.68% | 8.85% | 9.13% | 9.27% | 9.29% | -39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 56.36% | 59.20% | 61.94% | 64.75% | 61.83% | 65.99% | 69.31% | 68.98% | +423 bps | |
| Liquid Assets / Assets | 26.23% | 24.05% | 22.26% | 19.26% | 14.25% | 9.52% | 8.41% | 10.21% | -905 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |