Great Neck, NY · Cert 57828
FDIC · 12 branches
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 31, 2015, 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.
Great Neck, NY · Cert 57828
FDIC · 12 branches
Q1 2015
Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2014 SOD (annual) · 0.1% share · #77 of 226 inst. · $0.8B of $1405.9B
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 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.50% | 0.37% | 0.40% | 0.54% | 0.50% | 0.52% | 0.48% | 0.60% | +6 bps | |
| Return on Equity | 4.83% | 3.70% | 4.11% | 6.10% | 5.79% | 6.16% | 5.72% | 7.03% | +93 bps | |
| Net Interest Margin | 3.51% | 3.40% | 3.25% | 3.69% | 3.51% | 3.29% | 3.28% | 3.31% | -38 bps | |
| Efficiency Ratio | 69.93% | 69.91% | 71.20% | 68.77% | 70.83% | 69.93% | 71.15% | 71.64% | +287 bps | |
| Non-Interest Burden | 2.29% | 2.22% | 2.18% | 2.35% | 2.35% | 2.16% | 2.22% | 2.27% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.05% | 23.82% | 22.95% | 18.07% | 26.57% | 18.52% | 16.14% | 14.10% | -397 bps | |
| Loan Growth (YoY) | 22.97% | 34.16% | 29.27% | 23.54% | 31.96% | 21.79% | 14.99% | 16.48% | -706 bps | |
| Deposit Growth (YoY) | 14.32% | 27.78% | 21.96% | 20.48% | 35.04% | 19.21% | 20.63% | 16.53% | -395 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.28% | 0.19% | 0.00% | 0.00% | 0.15% | 0.14% | -0.11% | -11 bps | |
| Allowance / Loans | 1.50% | 1.45% | 1.42% | 1.54% | 1.51% | 1.42% | 1.45% | 1.46% | -9 bps | |
| 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 | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 8.74% | n/a | n/a |
| Total Risk-Based Capital | 15.16% | 13.63% | 13.16% | 13.29% | 12.68% | 12.40% | 12.74% | 12.38% | -91 bps | |
| Equity / Assets | 9.98% | 8.94% | 8.75% | 8.80% | 8.28% | 8.10% | 8.42% | 8.64% | -17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.68% | 88.84% | 96.26% | 94.63% | 91.55% | 90.76% | 91.76% | 94.59% | -4 bps | |
| Liquid Assets / Assets | 2.64% | 3.19% | 1.00% | 1.90% | 4.17% | 5.30% | 5.36% | 4.04% | +214 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |