Montebello, NY · Cert 57339
FDIC
Q3 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.91%1 | 0.38% | 0.50% | 0.82% | 0.62%1 | -29 bps | |
| Return on Equity | 11.32% | 4.90% | 4.87% | 7.54% | 6.85% | -447 bps | |
| Net Interest Margin | 0.88% | 0.66% | 0.64% | 0.88% | 0.90% | +2 bps | |
| Efficiency Ratio | 37.60% | 46.45% | 49.46% | 38.42% | 44.97% | +737 bps | |
| Non-Interest Burden | 0.33% | 0.31% | 0.32% | 0.34% | 0.40% | +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 |