New York, NY · Cert 33573
FDIC
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 31, 2015, 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.
New York, NY · Cert 33573
FDIC
Q1 2015
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 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.14% | -0.11% | -0.14% | -0.06% | -0.11% | -0.11% | -0.11% | -0.17% | -11 bps | |
| Return on Equity | -0.14% | -0.11% | -0.14% | -0.06% | -0.11% | -0.11% | -0.11% | -0.17% | -11 bps | |
| Net Interest Margin | 0.06% | 0.06% | 0.06% | 0.12% | 0.06% | 0.06% | 0.04% | 0.00% | -12 bps | |
| Efficiency Ratio | 450% | 400% | 475% | 200% | 400% | 433% | 533% | n/a | n/a | |
| Non-Interest Burden | 0.25% | 0.23% | 0.27% | 0.24% | 0.24% | 0.26% | 0.24% | 0.29% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -20.40% | -19.39% | -0.14% | -0.15% | -0.13% | -1.29% | -0.11% | -0.14% | +1 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 103.95% | n/a | n/a |
| Total Risk-Based Capital | 107.70% | 114.49% | 115.93% | 115.11% | 115.10% | 115.10% | 454% | 449% | +33,429 bps | |
| Equity / Assets | 100.00% | 98.85% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 0 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 0.70% | 0.71% | 0.63% | 0.60% | 0.58% | 0.55% | 1.14% | 0.00% | -60 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |