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 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.83% | 0.82% | 1.63% | 1.24% | 1.17% | +33 bps | |
| Return on Equity | 8.70% | 8.55% | 16.44% | 12.51% | 11.93% | +323 bps | |
| Net Interest Margin | 3.12% | 3.16% | 3.35% | 3.26% | 3.38% | +26 bps | |
| Efficiency Ratio | 71.22% | 70.31% | 59.21% | 65.54% | 67.32% | -390 bps | |
| Non-Interest Burden | 1.85% | 1.80% | 1.29% | 1.68% | 1.88% | +3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.92% | 6.99% | 4.63% | 0.65% | -2.33% | -1,124 bps | |
| Loan Growth (YoY) | 8.31% | 5.26% | -3.14% | 2.79% | 0.97% | -734 bps | |
| Deposit Growth (YoY) | 12.34% | 9.98% | 7.19% | 1.91% | 1.89% | -1,045 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.49% | 0.38% | 0.38% | 0.31% | 0.21% | -28 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.02% | 0.00% | -0.02% | -0.01% | +1 bps | |
| Allowance / Loans | 1.33% | 1.33% | 1.37% | 1.34% | 1.34% | +1 bps | |
| Allowance Coverage of NPLs | 2.7x | 3.5x | 3.6x | 4.3x | 6.5x | +3.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.70% | 9.88% | 9.95% | 9.94% | 8.80% | -90 bps | |
| Total Risk-Based Capital | 16.50% | 16.54% | 17.14% | 17.52% | 15.50% | -100 bps | |
| Equity / Assets | 9.70% | 9.79% | 9.98% | 10.09% | 9.20% | -50 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 113.99% | 113.33% | 106.85% | 111.21% | 112.97% | -102 bps | |
| Liquid Assets / Assets | 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 |