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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.26% | 0.95% | 0.17% | 0.36% | 0.55% | +281 bps | |
| Return on Equity | -13.29% | 5.66% | 1.01% | 2.00% | 3.09% | +1,638 bps | |
| Net Interest Margin | 2.61% | 2.55% | 2.59% | 2.77% | 2.75% | +13 bps | |
| Efficiency Ratio | 66.34% | 68.57% | 65.29% | 67.88% | 65.86% | -48 bps | |
| Non-Interest Burden | 1.53% | 1.58% | 1.53% | 1.68% | 1.61% | +8 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.91% | -1.58% | -4.90% | -6.70% | -2.40% | +451 bps | |
| Loan Growth (YoY) | -9.99% | -8.89% | -0.67% | 5.30% | 12.10% | +2,210 bps | |
| Deposit Growth (YoY) | 0.96% | 4.21% | 3.06% | 0.92% | 5.34% | +438 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.09% | 2.22% | 1.81% | 1.76% | 1.60% | -49 bps | |
| Net Charge-Offs / Loans | 6.44% | 0.65% | 0.57% | 0.86% | 0.32% | -612 bps | |
| Allowance / Loans | 1.22% | 0.97% | 1.03% | 0.96% | 0.89% | -33 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.4x | 0.6x | 0.5x | 0.6x | 0.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.07% | 11.37% | 11.00% | 12.10% | 12.34% | +127 bps | |
| Total Risk-Based Capital | 16.55% | 16.97% | 16.81% | 16.04% | 15.86% | -69 bps | |
| Equity / Assets | 16.94% | 16.61% | 17.57% | 18.08% | 17.69% | +75 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 94.62% | 90.72% | 93.41% | 97.70% | 100.70% | +608 bps | |
| Liquid Assets / Assets | 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 |