Flushing, NY · Cert 25745
FDIC · 5 branches
Q2 2015
Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2015 SOD (annual) · 0.0% share · #116 of 219 inst. · $0.4B of $1502.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.16% | 0.96% | 1.02% | 1.26% | 1.17% | 0.97% | 0.86% | 0.23% | -103 bps | |
| Return on Equity | 8.01% | 6.69% | 7.19% | 8.90% | 8.11% | 6.88% | 6.12% | 1.61% | -728 bps | |
| Net Interest Margin | 4.16% | 4.28% | 4.18% | 4.19% | 4.25% | 3.97% | 3.97% | 4.10% | -9 bps | |
| Efficiency Ratio | 50.35% | 50.42% | 53.46% | 47.70% | 49.92% | 56.26% | 62.80% | 90.31% | +4,261 bps | |
| Non-Interest Burden | 1.97% | 2.04% | 2.13% | 1.88% | 2.01% | 2.15% | 2.41% | 3.68% | +180 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.08% | 1.07% | 7.01% | 4.15% | 4.24% | 12.45% | 6.41% | 5.77% | +162 bps | |
| Loan Growth (YoY) | 7.39% | 5.15% | 5.14% | 4.57% | 1.45% | 3.67% | 1.16% | -0.86% | -543 bps | |
| Deposit Growth (YoY) | 2.65% | 1.16% | 7.49% | 4.19% | 4.30% | 13.27% | 6.29% | 5.28% | +110 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 | 0.00% | 0.52% | 0.19% | 0.05% | 0.00% | 0.00% | 0.10% | 0.00% | -5 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | n/a | n/a | n/a |
| Total Risk-Based Capital | 18.57% | 18.05% | 18.22% | 18.40% | 18.96% | 18.93% | 19.48% | 19.81% | +141 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.77% | 102.27% | 99.19% | 100.39% | 98.99% | 93.61% | 94.40% | 94.53% | -586 bps | |
| Liquid Assets / Assets | 0.48% | 0.48% | 0.46% | 0.46% | 0.45% | 0.42% | 0.42% | 0.42% | -4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |