New York, NY · Cert 26508
FDIC
Q4 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.70%1 | 0.81% | 0.38%1 | -7.27% | -172.14% | -17,384 bps | |
| Return on Equity | 9.65% | 4.35% | 1.80% | -19.46% | -183.08% | -19,273 bps | |
| Net Interest Margin | 3.70% | 3.42% | 2.37% | -1.36% | 2.86% | -83 bps | |
| Efficiency Ratio | 77.19% | 64.98% | 122.53% | 147.97% | 292% | +21,511 bps | |
| Non-Interest Burden | 2.77% | 1.99% | 3.07% | 9.03% | 89.23% | +8,646 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.41% | -2.40% | -21.08% | -83.20% | -98.93% | -10,234 bps | |
| Loan Growth (YoY) | -9.88% | -12.22% | -77.27% | -88.84% | -100.00% | -9,012 bps | |
| Deposit Growth (YoY) | 2.72% | -1.44% | -25.16% | -100.00% | -100.00% | -10,272 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | |
| Net Charge-Offs / Loans | 1.61% | 1.72% | 10.07% | 7.73% | 26.26% | +2,465 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 29.31% | 31.53% | 123.56% | 177.74% | 27.07% | -224 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Deposits | 77.30% | 71.90% | 22.79% | n/a | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |