Brooklyn, NY · Cert 35186
FDIC · 8 branches
Q3 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2018, the quarter ended September 30, 2018, 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.
Brooklyn, NY · Cert 35186
FDIC · 8 branches
Q3 2018
Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2018 SOD (annual) · 0.0% share · #93 of 201 inst. · $0.6B of $1824.0B
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 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.73% | 0.78% | 0.85% | 0.83% | 0.82% | 1.63% | 1.24% | 1.17% | +33 bps | |
| Return on Equity | 7.05% | 8.14% | 8.91% | 8.70% | 8.55% | 16.44% | 12.51% | 11.93% | +323 bps | |
| Net Interest Margin | 3.09% | 3.23% | 3.10% | 3.12% | 3.16% | 3.35% | 3.26% | 3.38% | +26 bps | |
| Efficiency Ratio | 74.38% | 70.18% | 70.14% | 71.22% | 70.31% | 59.21% | 65.54% | 67.32% | -390 bps | |
| Non-Interest Burden | 2.07% | 2.02% | 1.82% | 1.85% | 1.80% | 1.29% | 1.68% | 1.88% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 27.05% | 22.37% | 19.78% | 8.92% | 6.99% | 4.63% | 0.65% | -2.33% | -1,124 bps | |
| Loan Growth (YoY) | 30.55% | 31.36% | 14.21% | 8.31% | 5.26% | -3.14% | 2.79% | 0.97% | -734 bps | |
| Deposit Growth (YoY) | 28.51% | 20.77% | 22.26% | 12.34% | 9.98% | 7.19% | 1.91% | 1.89% | -1,045 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.43% | 0.51% | 0.49% | 0.38% | 0.38% | 0.31% | 0.21% | -28 bps | |
| Net Charge-Offs / Loans | -0.02% | 0.00% | 0.00% | -0.02% | -0.02% | 0.00% | -0.02% | -0.01% | +1 bps | |
| Allowance / Loans | 1.36% | 1.30% | 1.35% | 1.33% | 1.33% | 1.37% | 1.34% | 1.34% | +1 bps | |
| Allowance Coverage of NPLs | n/a | 3.0x | 2.6x | 2.7x | 3.5x | 3.6x | 4.3x | 6.5x | +3.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.88% | 9.55% | 9.52% | 9.70% | 9.88% | 9.95% | 9.94% | 8.80% | -90 bps | |
| Total Risk-Based Capital | 16.00% | 15.76% | 16.50% | 16.50% | 16.54% | 17.14% | 17.52% | 15.50% | -100 bps | |
| Equity / Assets | 9.69% | 9.45% | 9.43% | 9.70% | 9.79% | 9.98% | 10.09% | 9.20% | -50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 118.41% | 118.25% | 110.25% | 113.99% | 113.33% | 106.85% | 111.21% | 112.97% | -102 bps | |
| Liquid Assets / Assets | 9.63% | 9.19% | 14.17% | 11.62% | 12.88% | 16.85% | 13.43% | 10.18% | -143 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |