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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.73% | 1.12% | 0.71% | 0.89% | 1.22% | 0.87% | 0.67% | 0.59% | -30 bps | |
| Return on Equity | 8.28% | 12.47% | 7.85% | 9.94% | 12.95% | 8.64% | 6.41% | 6.28% | -365 bps | |
| Net Interest Margin | 3.26% | 3.70% | 3.10% | 3.22% | 3.22% | 3.24% | 3.27% | 2.61% | -61 bps | |
| Efficiency Ratio | 74.22% | 62.93% | 73.04% | 68.22% | 68.42% | 67.35% | 73.92% | 66.10% | -212 bps | |
| Non-Interest Burden | 2.27% | 2.12% | 2.12% | 2.02% | 1.99% | 1.98% | 2.27% | 1.65% | -37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.74% | 7.10% | 10.32% | 6.86% | 0.27% | -1.64% | -9.11% | 1.72% | -514 bps | |
| Loan Growth (YoY) | -7.77% | -6.72% | 18.67% | 18.56% | 25.11% | 24.93% | 3.56% | 20.25% | +169 bps | |
| Deposit Growth (YoY) | 2.51% | 6.87% | 8.96% | -0.86% | -3.79% | -4.14% | -10.95% | 8.69% | +955 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 4.66% | 0.87% | 1.12% | 1.09% | 1.44% | 0.82% | 2.05% | 2.84% | +175 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.11% | -0.16% | -0.03% | -0.01% | 0.40% | 0.02% | 0.48% | +51 bps | |
| Allowance / Loans | 1.10% | 1.15% | 1.03% | 1.08% | 1.10% | 1.01% | 1.07% | 0.90% | -18 bps | |
| Allowance Coverage of NPLs | 0.2x | 1.3x | 0.9x | 1.0x | 0.8x | 1.2x | 0.5x | 0.3x | -0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.17% | 9.28% | 9.37% | 8.87% | 9.55% | 10.14% | 10.52% | 8.43% | -44 bps | |
| Total Risk-Based Capital | 21.30% | 21.66% | 19.15% | 19.06% | 19.96% | 20.35% | 20.84% | 18.50% | -56 bps | |
| Equity / Assets | 8.85% | 9.17% | 8.88% | 9.04% | 9.81% | 10.22% | 10.60% | 8.36% | -68 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 36.80% | 37.66% | 43.15% | 46.43% | 47.85% | 49.08% | 50.18% | 51.37% | +494 bps | |
| Liquid Assets / Assets | 51.90% | 51.82% | 47.37% | 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 | n/a | n/a | n/a |