New York, NY · Cert 30783
FDIC
Q1 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | -0.68% | -1.36% | -0.56% | -0.90% | -0.83% | -0.28% | -0.08% | +49 bps | |
| Return on Equity | 4.09% | -4.31% | -8.79% | -3.69% | -6.16% | -6.02% | -2.09% | -0.60% | +309 bps | |
| Net Interest Margin | 3.55% | 2.53% | 1.77% | 2.65% | 2.94% | 3.11% | 2.82% | 2.81% | +15 bps | |
| Efficiency Ratio | 73.47% | 130.96% | 292% | 131.25% | 151.82% | 141.41% | 116.04% | 107.41% | -2,384 bps | |
| Non-Interest Burden | 2.58% | 3.32% | 3.99% | 3.52% | 4.49% | 4.43% | 3.29% | 3.02% | -50 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.72% | 0.27% | -0.69% | -2.47% | 1.12% | 2.41% | 5.48% | 10.58% | +1,305 bps | |
| Loan Growth (YoY) | 15.19% | -3.78% | -9.14% | -10.97% | -9.69% | 13.10% | 17.46% | 23.29% | +3,426 bps | |
| Deposit Growth (YoY) | 12.72% | 3.66% | 0.26% | -2.00% | -9.72% | -11.41% | -12.12% | -3.65% | -165 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 1.48% | 0.00% | -0.02% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.25% | 1.27% | 1.18% | 1.25% | 1.28% | 1.05% | 1.05% | 1.03% | -21 bps | |
| 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 | 30.65% | 30.41% | 28.71% | 29.11% | 28.40% | 26.49% | 26.30% | 24.66% | -445 bps | |
| Equity / Assets | 15.78% | 15.69% | 15.22% | 15.28% | 14.08% | 13.68% | 13.08% | 12.74% | -255 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.87% | 67.92% | 65.80% | 64.57% | 68.89% | 86.71% | 87.94% | 82.62% | +1,806 bps | |
| Liquid Assets / Assets | 6.39% | 6.18% | 8.63% | 1.41% | 5.78% | 1.22% | 4.14% | 2.11% | +69 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |