New York, NY · Cert 57053
FDIC · 38 branches
Q4 2022
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
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 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.95% | 1.13% | 1.14% | 1.17% | 1.15% | +20 bps | |
| Return on Equity | 13.18% | 16.91% | 16.91% | 17.41% | 16.82% | +364 bps | |
| Net Interest Margin | 1.68% | 1.94% | 2.05% | 2.19% | 2.22% | +53 bps | |
| Efficiency Ratio | 35.37% | 31.94% | 31.24% | 31.32% | 32.04% | -333 bps | |
| Non-Interest Burden | 0.53% | 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 / Loans | 0.36% | 0.28% | 0.30% | 0.29% | 0.32% | -4 bps | |
| Net Charge-Offs / Loans | 0.13% | 0.11% | 0.10% | 0.09% | 0.09% | -4 bps | |
| Allowance / Loans | 0.73% | 0.69% | 0.61% | 0.63% | 0.65% | -7 bps | |
| Allowance Coverage of NPLs | 2.0x | 2.4x | 2.1x | 2.1x | 2.1x | 0.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 7.27% | 7.74% | 7.92% | 8.47% | 8.79% | +152 bps | |
| Total Risk-Based Capital | 11.76% | 12.58% | 11.88% | 11.99% | 12.32% | +56 bps | |
| Equity / Assets | 6.62% | 6.71% | 6.93% | 6.72% | 7.26% | +64 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 61.47% | 61.47% | 69.92% | 72.34% | 84.50% | +2,303 bps | |
| Liquid Assets / Assets | 29.27% | 27.04% | 18.30% | 16.56% | 12.36% | -1,691 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |