New York, NY · Cert 32209
FDIC · 3 branches
Q2 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2019, the quarter ended June 30, 2019, 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.
New York, NY · Cert 32209
FDIC · 3 branches
Q2 2019
Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2019 SOD (annual) · 0.0% share · #160 of 187 inst. · $0.1B of $1861.3B
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 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.29% | -0.07% | 0.34% | 0.46% | 0.43% | 0.36% | 0.38% | -0.45% | -91 bps | |
| Return on Equity | 1.32% | -0.32% | 1.80% | 2.39% | 2.24% | 1.84% | 1.97% | -2.41% | -480 bps | |
| Net Interest Margin | 4.45% | 4.38% | 4.36% | 4.28% | 4.30% | 4.50% | 4.01% | 3.88% | -39 bps | |
| Efficiency Ratio | 88.74% | 89.02% | 86.80% | 82.80% | 85.43% | 85.46% | 78.36% | 115.16% | +3,236 bps | |
| Non-Interest Burden | 3.93% | 3.88% | 3.78% | 3.51% | 3.65% | 3.82% | 3.06% | 4.51% | +100 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.31% | 0.53% | -1.65% | 0.16% | -1.56% | -0.61% | 2.45% | 5.96% | +580 bps | |
| Loan Growth (YoY) | 2.25% | 6.31% | 6.29% | 8.59% | 6.68% | 7.87% | 5.50% | 3.88% | -471 bps | |
| Deposit Growth (YoY) | -0.32% | -0.75% | -4.07% | -1.82% | -2.56% | 0.12% | 4.02% | 8.41% | +1,023 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.44% | 2.99% | 2.87% | 2.88% | 2.04% | 1.42% | 1.37% | 1.31% | -156 bps | |
| Net Charge-Offs / Loans | -0.24% | -0.17% | 0.00% | 0.00% | 0.00% | 0.09% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.92% | 0.90% | 0.88% | 0.87% | 0.86% | 0.90% | 0.90% | 0.90% | +3 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.3x | 0.3x | 0.3x | 0.4x | 0.6x | 0.7x | 0.7x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 22.49% | 18.89% | 19.03% | 19.19% | 19.39% | 19.28% | 19.17% | 18.31% | -88 bps | |
| Total Risk-Based Capital | 36.82% | 30.28% | 30.42% | 30.10% | 28.96% | 28.98% | 29.37% | 28.58% | -152 bps | |
| Equity / Assets | 22.33% | 18.80% | 19.11% | 19.39% | 19.71% | 19.26% | 19.00% | 18.20% | -119 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.70% | 83.82% | 86.74% | 89.08% | 89.45% | 90.31% | 87.97% | 85.35% | -372 bps | |
| Liquid Assets / Assets | 33.88% | 31.09% | 30.18% | 28.60% | 24.22% | 22.65% | 25.84% | 27.76% | -84 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |