Astoria, NY · Cert 32698
FDIC
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 2012, 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.
Astoria, NY · Cert 32698
FDIC
Q3 2012
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 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.63% | 0.69% | 0.70% | 0.72% | 0.67% | 0.74% | 0.78% | 0.64% | -7 bps | |
| Return on Equity | 5.03% | 5.37% | 5.38% | 5.49% | 5.16% | 5.88% | 6.14% | 5.02% | -47 bps | |
| Net Interest Margin | 3.56% | 3.54% | 3.59% | 3.63% | 3.47% | 3.41% | 3.54% | 3.46% | -17 bps | |
| Efficiency Ratio | 71.80% | 69.46% | 69.28% | 68.67% | 69.38% | 66.45% | 65.15% | 68.54% | -13 bps | |
| Non-Interest Burden | 2.60% | 2.48% | 2.51% | 2.51% | 2.45% | 2.28% | 2.31% | 2.38% | -13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.52% | 2.74% | -1.62% | -0.77% | 5.03% | 7.16% | 9.74% | 7.42% | +820 bps | |
| Loan Growth (YoY) | -6.29% | -4.97% | 0.58% | 5.97% | 5.29% | 7.57% | 5.67% | 1.24% | -473 bps | |
| Deposit Growth (YoY) | -0.15% | 2.51% | -2.67% | -1.56% | 5.22% | 7.27% | 10.32% | 7.68% | +924 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 | 0.29% | -0.01% | 0.03% | 0.01% | -0.02% | -0.21% | -0.09% | -0.10% | -11 bps | |
| Allowance / Loans | 1.85% | 1.85% | 1.78% | 1.75% | 1.67% | 1.68% | 1.66% | 1.72% | -3 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 | 17.70% | 17.99% | 17.94% | 18.00% | 18.11% | 18.15% | 18.33% | 18.82% | +81 bps | |
| Equity / Assets | 12.79% | 12.86% | 13.39% | 13.30% | 12.73% | 12.61% | 12.88% | 13.07% | -23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.47% | 72.38% | 76.99% | 77.33% | 72.51% | 72.58% | 73.75% | 72.71% | -463 bps | |
| Liquid Assets / Assets | 25.34% | 25.82% | 21.92% | 21.51% | 26.21% | 26.51% | 25.96% | 26.99% | +548 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |