Carmel, NY · Cert 27226
FDIC · 6 branches
Q4 2019
Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2019 SOD (annual) · 0.0% share · #90 of 187 inst. · $0.7B of $1861.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.48% | 1.32% | 1.51% | 1.60% | 1.59% | 1.37% | 1.24% | 0.97% | -62 bps | |
| Return on Equity | 14.50% | 13.19% | 15.43% | 16.14% | 15.46% | 12.85% | 11.18% | 8.70% | -744 bps | |
| Net Interest Margin | 4.11% | 3.96% | 3.88% | 4.19% | 3.87% | 3.63% | 3.49% | 3.51% | -67 bps | |
| Efficiency Ratio | 51.88% | 57.20% | 54.69% | 52.70% | 50.33% | 54.07% | 54.90% | 64.70% | +1,200 bps | |
| Non-Interest Burden | 2.09% | 2.23% | 2.09% | 2.17% | 1.92% | 1.93% | 1.88% | 2.25% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.65% | 9.67% | 5.46% | 6.02% | 10.86% | 11.10% | 10.66% | 9.35% | +333 bps | |
| Loan Growth (YoY) | 10.07% | 11.48% | 6.51% | 9.77% | 10.29% | 11.49% | 11.48% | 10.56% | +79 bps | |
| Deposit Growth (YoY) | 8.93% | 10.92% | 5.52% | 6.19% | 9.69% | 9.28% | 7.63% | 7.00% | +81 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.59% | 0.71% | 1.63% | 0.63% | 0.60% | 0.80% | 0.70% | 0.68% | +4 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.00% | 0.00% | 0.00% | 0.03% | 0.00% | -0.02% | 0.02% | +2 bps | |
| Allowance / Loans | 1.30% | 1.31% | 1.30% | 1.26% | 1.24% | 1.21% | 1.22% | 1.21% | -5 bps | |
| Allowance Coverage of NPLs | 0.8x | 1.9x | 0.8x | 2.0x | 2.1x | 1.5x | 1.7x | 1.8x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.79% | 10.05% | 9.88% | 10.02% | 9.81% | 9.73% | 9.82% | 9.85% | -17 bps | |
| Total Risk-Based Capital | 13.81% | 13.93% | 14.13% | 13.59% | 13.49% | 13.25% | 13.29% | 13.04% | -55 bps | |
| Equity / Assets | 10.02% | 9.94% | 9.62% | 10.16% | 10.44% | 10.83% | 11.30% | 11.08% | +93 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.78% | 89.31% | 89.31% | 92.49% | 90.27% | 91.11% | 92.51% | 95.57% | +308 bps | |
| Liquid Assets / Assets | 2.00% | 3.45% | 3.10% | 1.82% | 2.84% | 2.43% | 1.74% | 1.99% | +17 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |