Islandia, NY · Cert 32749
FDIC · 31 branches
Q3 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2018, the quarter ended September 30, 2018, 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.
Islandia, NY · Cert 32749
FDIC · 31 branches
Q3 2018
Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2018 SOD (annual) · 0.1% share · #50 of 201 inst. · $2.7B of $1824.0B
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 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.68% | 0.39% | 0.11% | -0.67% | -0.26% | 0.17% | 0.26% | 0.36% | +102 bps | |
| Return on Equity | 4.32% | 2.42% | 0.67% | -4.02% | -1.59% | 1.01% | 1.50% | 2.03% | +606 bps | |
| Net Interest Margin | 2.98% | 2.87% | 2.81% | 2.77% | 2.73% | 2.59% | 2.80% | 2.79% | +2 bps | |
| Efficiency Ratio | 53.12% | 59.46% | 61.01% | 62.72% | 64.08% | 65.29% | 66.58% | 66.35% | +363 bps | |
| Non-Interest Burden | 1.38% | 1.51% | 1.52% | 1.54% | 1.56% | 1.53% | 1.67% | 1.66% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.06% | -6.55% | -5.72% | -6.91% | -1.58% | -4.90% | -6.70% | -2.40% | +451 bps | |
| Loan Growth (YoY) | -4.88% | -7.90% | -10.62% | -9.99% | -8.89% | -0.67% | 5.30% | 12.10% | +2,210 bps | |
| Deposit Growth (YoY) | 1.62% | 8.10% | 8.28% | 0.96% | 4.21% | 3.06% | 0.92% | 5.34% | +438 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 1.35% | 2.28% | 2.09% | 2.22% | 1.81% | 1.76% | 1.60% | -49 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.87% | 1.36% | 3.06% | 2.47% | 0.57% | 0.71% | 0.55% | -251 bps | |
| Allowance / Loans | 0.96% | 0.98% | 1.09% | 1.22% | 0.97% | 1.03% | 0.96% | 0.89% | -33 bps | |
| Allowance Coverage of NPLs | n/a | 0.7x | 0.5x | 0.6x | 0.4x | 0.6x | 0.5x | 0.6x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.53% | 10.82% | 11.24% | 11.07% | 11.37% | 11.00% | 12.10% | 12.34% | +127 bps | |
| Total Risk-Based Capital | 15.15% | 15.94% | 16.47% | 16.55% | 16.97% | 16.81% | 16.04% | 15.86% | -69 bps | |
| Equity / Assets | 15.98% | 16.46% | 17.00% | 16.94% | 16.61% | 17.57% | 18.08% | 17.69% | +75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 103.76% | 96.92% | 93.64% | 94.62% | 90.72% | 93.41% | 97.70% | 100.70% | +608 bps | |
| Liquid Assets / Assets | 10.26% | 9.88% | 10.00% | 9.26% | 13.96% | 5.58% | 2.84% | 1.29% | -798 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |