Southampton, NY · Cert 34624
FDIC
Q1 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.10% | 0.25% | -0.46% | 0.27%1 | 0.33% | 0.18%1 | 0.16%1 | -0.46% | -73 bps | |
| Return on Equity | 1.40% | 3.70% | -6.52% | 3.52% | 4.20% | 2.27% | 2.25% | -6.82% | -1,034 bps | |
| Net Interest Margin | 3.83% | 3.79% | 3.89% | 3.84% | 3.82% | 3.50% | 3.67% | 3.59% | -25 bps | |
| Efficiency Ratio | 94.37% | 91.06% | 89.32% | 91.14% | 88.29% | 94.44% | 97.22% | 108.47% | +1,733 bps | |
| Non-Interest Burden | 3.59% | 3.42% | 3.42% | 3.47% | 3.33% | 3.29% | 3.56% | 3.92% | +45 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.02% | 6.15% | 3.39% | 0.44% | -0.74% | 2.64% | 7.51% | 6.67% | +623 bps | |
| Loan Growth (YoY) | 6.74% | 3.64% | -1.76% | -2.56% | -2.86% | -4.35% | -6.46% | -7.82% | -526 bps | |
| Deposit Growth (YoY) | 6.48% | 12.76% | 7.64% | -0.07% | 2.18% | 10.96% | 5.28% | 9.19% | +927 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.00% | 0.02% | 1.05% | -0.05% | 0.46% | 0.07% | 0.06% | -99 bps | |
| Allowance / Loans | 1.20% | 1.27% | 1.61% | 1.45% | 1.54% | 1.59% | 1.67% | 1.67% | +22 bps | |
| 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 | n/a | n/a | n/a |
| Total Risk-Based Capital | 9.61% | 9.91% | 10.37% | 11.21% | 11.26% | 11.67% | 11.98% | 11.73% | +51 bps | |
| Equity / Assets | 6.71% | 7.04% | 7.18% | 7.91% | 7.69% | 7.82% | 6.80% | 6.69% | -122 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.45% | 76.99% | 79.90% | 83.72% | 76.48% | 66.36% | 70.99% | 70.68% | -1,304 bps | |
| Liquid Assets / Assets | 0.24% | 0.24% | 0.23% | 0.22% | 0.20% | 0.18% | 0.19% | 0.20% | -2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |