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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.57% | 0.38% | 0.13% | 0.38% | -1.27% | -184 bps | |
| Return on Equity | 2.97% | 1.94% | 0.67% | 1.97% | -6.81% | -979 bps | |
| Net Interest Margin | 4.19% | 4.30% | 5.19% | 4.01% | 3.88% | -32 bps | |
| Efficiency Ratio | 78.96% | 90.89% | 85.52% | 78.36% | 155.27% | +7,631 bps | |
| Non-Interest Burden | 3.23% | 3.90% | 4.42% | 3.06% | 6.04% | +281 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.16% | -1.56% | -0.61% | 2.45% | 5.96% | +580 bps | |
| Loan Growth (YoY) | 8.59% | 6.68% | 7.87% | 5.50% | 3.88% | -471 bps | |
| Deposit Growth (YoY) | -1.82% | -2.56% | 0.12% | 4.02% | 8.41% | +1,023 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.88% | 2.04% | 1.42% | 1.37% | 1.31% | -156 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.38% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.87% | 0.86% | 0.90% | 0.90% | 0.90% | +3 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.4x | 0.6x | 0.7x | 0.7x | +0.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 19.19% | 19.39% | 19.28% | 19.17% | 18.31% | -88 bps | |
| Total Risk-Based Capital | 30.10% | 28.96% | 28.98% | 29.37% | 28.58% | -152 bps | |
| Equity / Assets | 19.39% | 19.71% | 19.26% | 19.00% | 18.20% | -119 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.08% | 89.45% | 90.31% | 87.97% | 85.35% | -372 bps | |
| Liquid Assets / Assets | 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 |