New York, NY · Cert 58168
FDIC
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 2012, 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.
New York, NY · Cert 58168
FDIC
Q3 2012
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 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.75%1 | 0.36% | 0.40% | 0.28% | 0.34% | 0.21%1 | 0.20% | 0.23%1 | -5 bps | |
| Return on Equity | 9.93% | 4.44% | 4.85% | 3.48% | 4.14% | 2.57% | 2.39% | 2.72% | -76 bps | |
| Net Interest Margin | 2.12% | 2.50% | 2.36% | 2.27% | 2.29% | 1.82% | 1.83% | 1.73% | -54 bps | |
| Efficiency Ratio | 77.97% | 73.67% | 72.13% | 74.20% | 72.23% | 84.90% | 85.39% | 92.00% | +1,779 bps | |
| Non-Interest Burden | 1.63% | 1.83% | 1.68% | 1.67% | 1.63% | 1.53% | 1.56% | 1.58% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.95% | 2.31% | 2.76% | -0.23% | -0.01% | 2.45% | 0.55% | 2.49% | +272 bps | |
| Loan Growth (YoY) | -5.43% | -11.94% | -10.55% | -11.34% | -15.96% | -11.88% | -12.86% | -14.56% | -321 bps | |
| Deposit Growth (YoY) | 2.47% | 2.05% | 0.12% | 0.90% | -0.27% | 0.46% | 0.15% | 0.19% | -71 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 | 0.42% | 0.40% | 0.27% | 0.42% | 0.46% | 0.37% | 0.30% | 0.30% | -11 bps | |
| Allowance / Loans | 0.97% | 0.98% | 1.03% | 1.20% | 1.21% | 1.25% | 1.24% | 1.24% | +4 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 | 28.39% | 30.68% | 30.98% | 30.63% | 32.54% | 33.41% | 34.37% | 32.95% | +231 bps | |
| Equity / Assets | 7.89% | 8.16% | 8.47% | 8.16% | 8.04% | 8.44% | 8.71% | 8.78% | +62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 37.64% | 35.43% | 34.37% | 33.09% | 31.72% | 31.07% | 29.91% | 28.22% | -487 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 |