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Signature Bank

New York, NY · Cert 57053

FDIC · 38 branches

Q4 2022

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2022, the quarter ended December 31, 2022, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Signature Bank

New York, NY · Cert 57053

FDIC · 38 branches

Q4 2022

$110.4BAssets
$74.9BLoans
$88.6BDeposits
$8.0BEquity
Loan mix
40%RE $23.7B60%C&I $35.4B0%Consumer $0.2BQ4 2021Q4 2022
Deposit mix
64%Interest-bearing $57.0B36%Noninterest $31.6BQ4 2021Q4 2022

NIM

2.74%Q4 ’201.94%Q4 ’213.10%Q4 ’22-24%+32%

Non-interest income vs. expense

0.86%Q4 ’200.62%Q4 ’210.75%Q4 ’22-35%+17%

Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2022 SOD (annual) · 3.6% share · #8 of 162 inst. · $100.4B of $2794.5B

4.4% New York
8.5% Kings
4.4% Nassau
5.9% Suffolk

Executive Summary

  • Earnings: ROA of 1.15%, up 20 bps year over year; NIM at 2.22%.
  • Asset quality: problem loans at 0.32% of loans (-4 bps YoY), with net charge-offs at 0.09%.
  • Capital: tier 1 leverage ratio of 8.79%, up 152 bps from a year ago.
  • Funding: loans stand at 84.50% of deposits as of Q4 2022.

Financial Results

Return on Assets (YTD, annualized)

1.15%+20 bps YoY

Net Interest Margin (YTD, annualized)

2.22%+53 bps YoY

Efficiency Ratio (YTD, annualized)

32.04%-333 bps YoY

Tier 1 Leverage Ratio

8.79%+152 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2021Q1 2022Q2 2022Q3 2022Q4 2022YoY ΔTrend
Earnings
Return on Assets0.95%1.13%1.14%1.17%1.15%+20 bps
Return on Equity13.18%16.91%16.91%17.41%16.82%+364 bps
Net Interest Margin1.68%1.94%2.05%2.19%2.22%+53 bps
Efficiency Ratio35.37%31.94%31.24%31.32%32.04%-333 bps
Non-Interest Burden0.53%0.54%0.56%0.60%0.62%+9 bps
Growth
Asset Growth (YoY)60.30%42.71%19.30%6.14%-6.82%-6,713 bps
Loan Growth (YoY)32.51%30.84%32.25%25.09%14.76%-1,775 bps
Deposit Growth (YoY)67.64%47.57%21.70%7.55%-16.52%-8,416 bps
Asset Quality
Nonperforming Loans / Loans0.36%0.28%0.30%0.29%0.32%-4 bps
Net Charge-Offs / Loans0.13%0.11%0.10%0.09%0.09%-4 bps
Allowance / Loans0.73%0.69%0.61%0.63%0.65%-7 bps
Allowance Coverage of NPLs2.0x2.4x2.1x2.1x2.1x0.0x
Capital
Tier 1 Leverage Ratio7.27%7.74%7.92%8.47%8.79%+152 bps
Total Risk-Based Capital11.76%12.58%11.88%11.99%12.32%+56 bps
Equity / Assets6.62%6.71%6.93%6.72%7.26%+64 bps
Liquidity & Funding
Loans / Deposits61.47%61.47%69.92%72.34%84.50%+2,303 bps
Liquid Assets / Assets29.27%27.04%18.30%16.56%12.36%-1,691 bps
CRE / Total Capitaln/an/an/an/an/an/an/a