Westbury, NY · Cert 58167
FDIC
Q3 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.13% | 0.25% | 0.07%1 | 0.12% | -0.09% | 0.04%1 | -0.15% | 0.31%1 | +19 bps | |
| Return on Equity | 1.75% | 3.40% | 0.98% | 1.58% | -1.23% | 0.52% | -2.03% | 4.18% | +260 bps | |
| Net Interest Margin | 2.19% | 2.51% | 2.25% | 2.42% | 1.77% | 1.96% | 1.90% | 1.76% | -66 bps | |
| Efficiency Ratio | 89.74% | 73.54% | 78.07% | 70.32% | 94.51% | 97.74% | 104.73% | 96.93% | +2,660 bps | |
| Non-Interest Burden | 1.96% | 1.83% | 1.73% | 1.68% | 1.66% | 1.91% | 1.99% | 1.70% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.40% | 5.67% | 5.23% | 1.90% | 1.66% | 3.22% | 3.30% | 5.54% | +365 bps | |
| Loan Growth (YoY) | -9.81% | -14.34% | -14.54% | -17.43% | -16.09% | -13.97% | -12.01% | -10.91% | +652 bps | |
| Deposit Growth (YoY) | 5.98% | 6.06% | 3.74% | 3.30% | 2.34% | 2.54% | 3.94% | 4.79% | +149 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 | 0.10% | 0.49% | 0.74% | 0.36% | 0.73% | 0.31% | 0.69% | 0.39% | +3 bps | |
| Allowance / Loans | 0.83% | 0.89% | 1.02% | 1.30% | 1.40% | 1.45% | 1.46% | 1.37% | +6 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 | n/a | n/a | n/a |
| Total Risk-Based Capital | 20.88% | 21.63% | 21.78% | 21.62% | 21.39% | 22.56% | 22.48% | 22.56% | +94 bps | |
| Equity / Assets | 7.27% | 7.39% | 7.54% | 7.29% | 7.02% | 7.33% | 7.28% | 7.39% | +10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 56.16% | 52.94% | 50.23% | 47.31% | 46.04% | 44.42% | 42.53% | 40.22% | -709 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |