Montebello, NY · Cert 30337
FDIC · 74 branches
Q4 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2021, the quarter ended December 31, 2021, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Montebello, NY · Cert 30337
FDIC · 74 branches
Q4 2021
Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2021 SOD (annual) · 0.9% share · #18 of 173 inst. · $22.4B of $2606.2B
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 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.31% | 0.53% | 0.76% | 0.85% | 1.47% | 1.47% | 1.45% | 1.51% | +66 bps | |
| Return on Equity | 2.02% | 3.54% | 5.03% | 5.54% | 8.92% | 8.81% | 8.65% | 8.89% | +335 bps | |
| Net Interest Margin | 3.01% | 3.00% | 3.07% | 3.12% | 3.21% | 3.23% | 3.24% | 3.17% | +6 bps | |
| Efficiency Ratio | 41.68% | 44.22% | 44.12% | 45.00% | 42.19% | 42.69% | 43.70% | 43.80% | -120 bps | |
| Non-Interest Burden | 0.98% | 1.09% | 1.11% | 1.16% | 1.08% | 1.11% | 1.15% | 1.11% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.99% | 1.92% | 1.73% | -2.70% | -1.41% | -5.54% | -1.97% | -0.61% | +210 bps | |
| Loan Growth (YoY) | 7.74% | 9.52% | 7.12% | 1.92% | -2.44% | -7.15% | -4.67% | -2.27% | -419 bps | |
| Deposit Growth (YoY) | 6.80% | 12.75% | 12.41% | 2.49% | 4.95% | -1.72% | -1.24% | -1.50% | -398 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.17% | 1.17% | 0.81% | 0.76% | 0.80% | 0.84% | 0.97% | 0.73% | -3 bps | |
| Net Charge-Offs / Loans | 0.13% | 0.22% | 0.57% | 0.56% | 0.24% | 0.26% | 0.20% | 0.21% | -35 bps | |
| Allowance / Loans | 1.50% | 1.64% | 1.46% | 1.49% | 1.53% | 1.52% | 1.46% | 1.30% | -19 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.4x | 1.8x | 2.0x | 1.9x | 1.8x | 1.5x | 1.8x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.99% | 10.09% | 10.48% | 11.33% | 11.76% | 12.10% | 12.60% | 12.75% | +142 bps | |
| Total Risk-Based Capital | 13.69% | 13.85% | 14.04% | 14.73% | 15.42% | 15.22% | 15.26% | 15.65% | +92 bps | |
| Equity / Assets | 15.02% | 14.95% | 15.28% | 16.42% | 16.51% | 17.22% | 17.03% | 17.61% | +119 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.79% | 94.04% | 91.35% | 93.79% | 88.12% | 88.85% | 88.17% | 93.05% | -74 bps | |
| Liquid Assets / Assets | 7.18% | 6.90% | 6.53% | 6.43% | 8.46% | 7.03% | 7.94% | 6.28% | -15 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |