Astoria, NY · Cert 32698
FDIC
Q3 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.55% | 0.69% | 0.71% | 0.76% | 0.55% | 0.74% | 0.82% | 0.36% | -40 bps | |
| Return on Equity | 4.30% | 5.37% | 5.39% | 5.71% | 4.20% | 5.88% | 6.41% | 2.81% | -290 bps | |
| Net Interest Margin | 3.70% | 3.54% | 3.60% | 3.65% | 3.59% | 3.41% | 3.62% | 3.36% | -28 bps | |
| Efficiency Ratio | 77.58% | 69.46% | 69.10% | 67.46% | 71.56% | 66.45% | 63.91% | 75.58% | +812 bps | |
| Non-Interest Burden | 2.98% | 2.48% | 2.51% | 2.47% | 2.66% | 2.28% | 2.31% | 2.57% | +10 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 | 0.71% | -0.01% | 0.08% | -0.05% | -0.12% | -0.21% | 0.03% | -0.13% | -8 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 |