New York, NY · Cert 26508
FDIC
Q4 2013
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 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.87% | 0.98% | 1.01% | 1.19% | 0.81% | 0.62%1 | -1.07% | -7.84% | -904 bps | |
| Return on Equity | 5.05% | 5.61% | 5.83% | 6.82% | 4.35% | 3.08% | -4.32% | -31.74% | -3,856 bps | |
| Net Interest Margin | 4.25% | 4.23% | 3.94% | 3.79% | 3.42% | 3.02% | 4.48% | 15.30% | +1,150 bps | |
| Efficiency Ratio | 61.00% | 60.03% | 62.96% | 66.24% | 64.98% | 88.86% | 147.97% | 292% | +22,607 bps | |
| Non-Interest Burden | 2.31% | 2.24% | 2.22% | 2.31% | 1.99% | 2.61% | 7.26% | 45.94% | +4,363 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.16% | -4.07% | -0.75% | 3.41% | -2.40% | -21.08% | -83.20% | -98.93% | -10,234 bps | |
| Loan Growth (YoY) | -3.41% | -18.49% | -19.02% | -9.88% | -12.22% | -77.27% | -88.84% | -100.00% | -9,012 bps | |
| Deposit Growth (YoY) | -4.97% | -2.80% | 0.20% | 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% | 0.00% | 0.00% | 0.00% | n/a | n/a | |
| Net Charge-Offs / Loans | 0.04% | 0.51% | 0.35% | 0.65% | 1.72% | 8.65% | 14.32% | 26.26% | +2,561 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 | 26.79% | 29.80% | 29.34% | 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 | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.73% | 75.04% | 68.86% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |