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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.12% | 1.47% | 1.47% | 1.43% | 1.66% | +54 bps | |
| Return on Equity | 7.09% | 8.92% | 8.71% | 8.35% | 9.58% | +249 bps | |
| Net Interest Margin | 3.21% | 3.21% | 3.24% | 3.20% | 3.18% | -3 bps | |
| Efficiency Ratio | 47.48% | 42.19% | 43.20% | 45.74% | 44.10% | -338 bps | |
| Non-Interest Burden | 1.26% | 1.08% | 1.14% | 1.20% | 1.07% | -19 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.70% | -1.41% | -5.54% | -1.97% | -0.61% | +210 bps | |
| Loan Growth (YoY) | 1.92% | -2.44% | -7.15% | -4.67% | -2.27% | -419 bps | |
| Deposit Growth (YoY) | 2.49% | 4.95% | -1.72% | -1.24% | -1.50% | -398 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.76% | 0.80% | 0.84% | 0.97% | 0.73% | -3 bps | |
| Net Charge-Offs / Loans | 0.50% | 0.24% | 0.28% | 0.09% | 0.22% | -28 bps | |
| Allowance / Loans | 1.49% | 1.53% | 1.52% | 1.46% | 1.30% | -19 bps | |
| Allowance Coverage of NPLs | 2.0x | 1.9x | 1.8x | 1.5x | 1.8x | -0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.33% | 11.76% | 12.10% | 12.60% | 12.75% | +142 bps | |
| Total Risk-Based Capital | 14.73% | 15.42% | 15.22% | 15.26% | 15.65% | +92 bps | |
| Equity / Assets | 16.42% | 16.51% | 17.22% | 17.03% | 17.61% | +119 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 93.79% | 88.12% | 88.85% | 88.17% | 93.05% | -74 bps | |
| Liquid Assets / Assets | 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 |