Montebello, NY · Cert 57339
FDIC
Q3 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2013, the quarter ended September 30, 2013, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Montebello, NY · Cert 57339
FDIC
Q3 2013
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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.91%1 | 0.81%1 | 0.50% | 0.66% | 0.62% | -29 bps | |
| Return on Equity | 10.08% | 8.77% | 4.87% | 6.21% | 6.41% | -367 bps | |
| Net Interest Margin | 0.92% | 0.70% | 0.64% | 0.87% | 0.95% | +3 bps | |
| Efficiency Ratio | 37.64% | 39.72% | 49.46% | 43.84% | 44.20% | +656 bps | |
| Non-Interest Burden | 0.34% | 0.28% | 0.32% | 0.38% | 0.42% | +7 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 42.97% | 29.60% | -10.29% | -3.13% | -15.80% | -5,877 bps | |
| Loan Growth (YoY) | 1123% | n/a | n/a | n/a | -100.00% | -122,250 bps | |
| Deposit Growth (YoY) | 46.66% | 34.04% | -11.54% | -2.96% | -16.04% | -6,271 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 22.64% | 30.36% | 31.36% | 37.70% | 22.03% | -61 bps | |
| Equity / Assets | 6.30% | 10.14% | 10.29% | 11.50% | 7.45% | +115 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 0.05% | 0.00% | 0.01% | 0.01% | 0.00% | -5 bps | |
| Liquid Assets / Assets | 4.05% | 5.89% | 9.96% | 10.85% | 6.73% | +268 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |