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 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.06% | -0.11% | -0.11% | -0.11% | -0.17% | -11 bps | |
| Return on Equity | -0.06% | -0.11% | -0.11% | -0.11% | -0.17% | -11 bps | |
| Net Interest Margin | 0.12% | 0.06% | 0.06% | 0.04% | 0.00% | -12 bps | |
| Efficiency Ratio | 200% | 400% | 433% | 533% | n/a | n/a | |
| Non-Interest Burden | 0.24% | 0.24% | 0.26% | 0.24% | 0.29% | +5 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -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 |
| Deposit Growth (YoY) | 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 |
| Net Charge-Offs / Loans | 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 |
| Allowance Coverage of NPLs | 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 | 103.95% | n/a | n/a |
| Total Risk-Based Capital | 115.11% | 115.10% | 115.10% | 454% | 449% | +33,429 bps | |
| Equity / Assets | 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 |
| Liquid Assets / Assets | 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 |