Staten Island, NY · Cert 34565
FDIC · 6 branches
Q2 2020
Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2020 SOD (annual) · 0.0% share · #116 of 180 inst. · $0.4B of $2319.6B
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 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.80% | 0.95% | 0.93% | 0.67% | 0.62% | -18 bps | |
| Return on Equity | 8.92% | 10.27% | 9.85% | 6.41% | 6.43% | -249 bps | |
| Net Interest Margin | 3.08% | 3.21% | 3.31% | 3.27% | 2.81% | -27 bps | |
| Efficiency Ratio | 70.52% | 69.80% | 69.20% | 73.92% | 70.44% | -8 bps | |
| Non-Interest Burden | 2.01% | 2.06% | 2.10% | 2.27% | 1.87% | -15 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.86% | 0.27% | -1.64% | -9.11% | 1.72% | -514 bps | |
| Loan Growth (YoY) | 18.56% | 25.11% | 24.93% | 3.56% | 20.25% | +169 bps | |
| Deposit Growth (YoY) | -0.86% | -3.79% | -4.14% | -10.95% | 8.69% | +955 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.09% | 1.44% | 0.82% | 2.05% | 2.84% | +175 bps | |
| Net Charge-Offs / Loans | -0.09% | -0.06% | 0.05% | 0.02% | 0.25% | +34 bps | |
| Allowance / Loans | 1.08% | 1.10% | 1.01% | 1.07% | 0.90% | -18 bps | |
| Allowance Coverage of NPLs | 1.0x | 0.8x | 1.2x | 0.5x | 0.3x | -0.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.87% | 9.55% | 10.14% | 10.52% | 8.43% | -44 bps | |
| Total Risk-Based Capital | 19.06% | 19.96% | 20.35% | 20.84% | 18.50% | -56 bps | |
| Equity / Assets | 9.04% | 9.81% | 10.22% | 10.60% | 8.36% | -68 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 46.43% | 47.85% | 49.08% | 50.18% | 51.37% | +494 bps | |
| Liquid Assets / Assets | 46.43% | 43.43% | 43.08% | 42.75% | 41.69% | -474 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |