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 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.96% | 0.95% | 0.95% | 0.95% | 1.13% | 1.14% | 1.17% | 1.15% | +20 bps | |
| Return on Equity | 12.22% | 12.58% | 12.77% | 13.18% | 16.91% | 16.91% | 17.41% | 16.82% | +364 bps | |
| Net Interest Margin | 2.16% | 1.93% | 1.78% | 1.68% | 1.94% | 2.05% | 2.19% | 2.22% | +53 bps | |
| Efficiency Ratio | 38.47% | 37.07% | 36.51% | 35.37% | 31.94% | 31.24% | 31.32% | 32.04% | -333 bps | |
| Non-Interest Burden | 0.76% | 0.63% | 0.57% | 0.53% | 0.54% | 0.56% | 0.60% | 0.62% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 60.87% | 61.08% | 69.15% | 60.30% | 42.71% | 19.30% | 6.14% | -6.82% | -6,713 bps | |
| Loan Growth (YoY) | 24.17% | 21.05% | 27.49% | 32.51% | 30.84% | 32.25% | 25.09% | 14.76% | -1,775 bps | |
| Deposit Growth (YoY) | 75.13% | 70.34% | 75.88% | 67.64% | 47.57% | 21.70% | 7.55% | -16.52% | -8,416 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.27% | 0.25% | 0.41% | 0.36% | 0.28% | 0.30% | 0.29% | 0.32% | -4 bps | |
| Net Charge-Offs / Loans | 0.14% | 0.12% | 0.11% | 0.13% | 0.11% | 0.10% | 0.09% | 0.09% | -4 bps | |
| Allowance / Loans | 1.02% | 0.94% | 0.84% | 0.73% | 0.69% | 0.61% | 0.63% | 0.65% | -7 bps | |
| Allowance Coverage of NPLs | 3.8x | 3.7x | 2.0x | 2.0x | 2.4x | 2.1x | 2.1x | 2.1x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.82% | 7.86% | 7.83% | 7.27% | 7.74% | 7.92% | 8.47% | 8.79% | +152 bps | |
| Total Risk-Based Capital | 14.41% | 12.77% | 12.96% | 11.76% | 12.58% | 11.88% | 11.99% | 12.32% | +56 bps | |
| Equity / Assets | 7.78% | 7.04% | 7.12% | 6.62% | 6.71% | 6.93% | 6.72% | 7.26% | +64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.33% | 64.34% | 62.20% | 61.47% | 61.47% | 69.92% | 72.34% | 84.50% | +2,303 bps | |
| Liquid Assets / Assets | 3.39% | 29.01% | 30.33% | 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 | n/a | n/a | n/a |