New York, NY · Cert 30783
FDIC
Q1 2014
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 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.63% | 0.20% | -0.19% | -0.56% | -0.73% | -0.77% | -0.64% | -0.08% | +49 bps | |
| Return on Equity | n/a | n/a | n/a | -3.69% | -4.92% | -5.27% | -4.50% | -0.60% | +309 bps | |
| Net Interest Margin | 3.42% | 3.12% | 2.80% | 2.65% | 2.85% | 2.86% | 2.78% | 2.81% | +15 bps | |
| Efficiency Ratio | 67.41% | 84.33% | 106.53% | 131.25% | 141.76% | 141.63% | 135.15% | 107.41% | -2,384 bps | |
| Non-Interest Burden | 2.28% | 2.62% | 2.98% | 3.52% | 4.08% | 4.09% | 3.79% | 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% | 0.37% | 0.00% | -0.01% | -0.01% | 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 |