Flushing, NY · Cert 57987
FDIC · 1 branch
Q3 2015
Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2015 SOD (annual) · 0.0% share · #157 of 219 inst. · $0.2B of $1502.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.14% | -1.08% | 0.70% | 0.53% | -0.07% | -0.10% | 0.34% | 0.36% | -17 bps | |
| Return on Equity | -1.28% | -9.22% | 5.76% | 4.38% | -0.57% | -0.87% | 3.05% | 3.25% | -114 bps | |
| Net Interest Margin | 3.07% | 3.19% | 3.54% | 3.56% | 3.32% | 3.28% | 3.34% | 3.19% | -36 bps | |
| Efficiency Ratio | 110.28% | 116.81% | 88.11% | 85.66% | 93.13% | 100.07% | 91.34% | 81.29% | -437 bps | |
| Non-Interest Burden | 3.40% | 3.75% | 3.08% | 3.01% | 3.08% | 3.27% | 3.01% | 2.50% | -51 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.31% | -13.94% | -7.12% | -10.06% | 0.20% | 8.73% | 12.24% | 8.80% | +1,886 bps | |
| Loan Growth (YoY) | -12.86% | -11.00% | 3.70% | 7.29% | 13.91% | 14.58% | 16.50% | 11.71% | +442 bps | |
| Deposit Growth (YoY) | -11.38% | -13.98% | -6.18% | -6.89% | 5.98% | 10.13% | 14.54% | 10.38% | +1,727 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 | -1.02% | 1.51% | 1.33% | 0.00% | 0.00% | 0.28% | -0.96% | 0.00% | 0 bps | |
| Allowance / Loans | 2.22% | 1.98% | 1.57% | 1.51% | 1.45% | 1.40% | 1.43% | 1.43% | -8 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 | 10.95% | 11.07% | 10.59% | n/a | |
| Total Risk-Based Capital | 17.21% | 17.49% | 16.41% | 16.50% | 16.42% | 15.70% | 15.44% | 15.81% | -69 bps | |
| Equity / Assets | 11.45% | 12.02% | 12.24% | 12.09% | 11.44% | 11.32% | 11.07% | 11.26% | -83 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.16% | 88.84% | 92.66% | 93.95% | 91.54% | 92.42% | 94.24% | 95.07% | +113 bps | |
| Liquid Assets / Assets | 20.28% | 13.95% | 10.55% | 10.78% | 13.57% | 12.49% | 11.73% | 11.99% | +121 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |