Long Island City, NY · Cert 29805
FDIC · 88 branches
Q3 2017
Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2017 SOD (annual) · 0.5% share · #23 of 210 inst. · $9.1B of $1816.5B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | 0.58% | 0.57% | 0.58% | 0.55% | 0.50% | 0.59% | -0.05% | -63 bps | |
| Return on Equity | 4.89% | 4.73% | 4.62% | 4.63% | 4.32% | 3.78% | 4.47% | -0.36% | -498 bps | |
| Net Interest Margin | 2.38% | 2.35% | 2.35% | 2.38% | 2.36% | 2.36% | 2.34% | 2.35% | -3 bps | |
| Efficiency Ratio | 70.45% | 69.04% | 69.27% | 67.12% | 67.08% | 72.68% | 66.89% | 117.97% | +5,085 bps | |
| Non-Interest Burden | 1.57% | 1.52% | 1.53% | 1.48% | 1.44% | 1.61% | 1.45% | 2.78% | +130 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.80% | -3.44% | -1.92% | -1.74% | -3.32% | -4.31% | -5.68% | -5.68% | -394 bps | |
| Loan Growth (YoY) | -6.71% | -6.91% | -5.87% | -5.54% | -6.57% | -7.32% | -8.66% | -10.25% | -471 bps | |
| Deposit Growth (YoY) | -4.15% | -3.69% | -3.00% | -1.37% | -2.50% | -0.80% | -0.75% | 1.11% | +247 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.36% | 1.40% | 1.45% | +145 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.02% | 0.04% | 0.05% | -0.02% | 0.04% | 0.02% | 0.01% | -4 bps | |
| Allowance / Loans | 0.88% | 0.86% | 0.83% | 0.82% | 0.83% | 0.81% | 0.80% | 0.83% | +1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 0.6x | 0.6x | 0.6x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.29% | 11.37% | 11.54% | 11.75% | 12.09% | 12.44% | 12.28% | 12.45% | +70 bps | |
| Total Risk-Based Capital | 20.25% | 20.72% | 21.30% | 22.14% | 21.88% | 22.89% | 23.32% | 24.19% | +204 bps | |
| Equity / Assets | 12.10% | 12.21% | 12.36% | 12.67% | 13.01% | 13.34% | 13.21% | 13.33% | +66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 120.18% | 118.66% | 118.55% | 116.45% | 115.15% | 110.86% | 109.10% | 103.38% | -1,307 bps | |
| Liquid Assets / Assets | 15.65% | 16.54% | 17.75% | 18.53% | 18.81% | 19.46% | 20.51% | 21.91% | +338 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |