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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.42% | 0.46% | 0.51% | 0.53% | 0.45% | 0.82% | 0.91% | 0.98% | +44 bps | |
| Return on Equity | 2.63% | 2.60% | 2.91% | 3.03% | 2.52% | 4.50% | 5.15% | 5.53% | +250 bps | |
| Net Interest Margin | 0.84% | 0.89% | 0.91% | 0.99% | 1.05% | 1.18% | 1.21% | 1.31% | +32 bps | |
| Efficiency Ratio | 22.58% | 22.00% | 19.82% | 17.77% | 16.33% | 12.40% | 10.73% | 9.94% | -784 bps | |
| Non-Interest Burden | 0.19% | 0.20% | 0.18% | 0.18% | 0.17% | 0.15% | 0.13% | 0.13% | -5 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 |