Brewster, NY · Cert 57232
FDIC · 1 branch
Q3 2018
Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2018 SOD (annual) · 0.0% share · #185 of 201 inst. · $0.0B of $1824.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.40% | 0.46% | 0.55% | 0.57% | 0.19% | 0.82% | 0.99% | 1.09% | +52 bps | |
| Return on Equity | 2.38% | 2.60% | 3.22% | 3.24% | 1.00% | 4.50% | 5.81% | 6.30% | +306 bps | |
| Net Interest Margin | 0.80% | 0.89% | 0.98% | 1.02% | 1.08% | 1.18% | 1.34% | 1.47% | +45 bps | |
| Efficiency Ratio | 25.26% | 22.00% | 17.95% | 13.91% | 12.17% | 12.40% | 9.38% | 8.62% | -529 bps | |
| Non-Interest Burden | 0.20% | 0.20% | 0.18% | 0.14% | 0.13% | 0.15% | 0.13% | 0.13% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.15% | -13.18% | -17.97% | -16.04% | -1.48% | -0.92% | 0.33% | 2.26% | +1,830 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | 0.88% | -15.86% | -21.23% | -19.37% | 6.69% | -1.45% | 0.26% | 2.57% | +2,194 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.72% | 17.11% | 16.96% | 18.17% | 19.40% | 18.30% | 16.89% | 18.09% | -8 bps | |
| Total Risk-Based Capital | 105.71% | 78.80% | 72.96% | 93.06% | 99.31% | 97.50% | 94.29% | 104.50% | +1,143 bps | |
| Equity / Assets | 18.43% | 17.19% | 16.89% | 18.21% | 19.05% | 17.33% | 16.77% | 17.81% | -40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Liquid Assets / Assets | 0.99% | 1.35% | 3.74% | 1.18% | 4.13% | 0.44% | 3.59% | 1.45% | +27 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |