Brooklyn, NY · Cert 58169
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 | 0.25% | 0.21% | -0.01% | 0.14% | 0.25% | 0.28% | -0.12% | 0.06%1 | -8 bps | |
| Return on Equity | 3.32% | 2.76% | -0.11% | 1.82% | 3.34% | 3.63% | -1.45% | 0.79% | -103 bps | |
| Net Interest Margin | 2.15% | 2.29% | 2.20% | 2.12% | 2.01% | 2.04% | 1.73% | 1.49% | -63 bps | |
| Efficiency Ratio | 80.90% | 71.17% | 72.61% | 75.28% | 75.47% | 75.16% | 95.69% | 118.74% | +4,346 bps | |
| Non-Interest Burden | 1.72% | 1.60% | 1.57% | 1.56% | 1.49% | 1.50% | 1.66% | 1.78% | +22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.51% | 1.70% | 4.20% | 0.99% | -0.67% | 0.72% | -0.56% | 1.59% | +59 bps | |
| Loan Growth (YoY) | -9.30% | -8.94% | -9.88% | -9.26% | -10.34% | -12.33% | -13.66% | -14.34% | -508 bps | |
| Deposit Growth (YoY) | 2.71% | 1.80% | 1.74% | 0.30% | -0.61% | 0.39% | 0.42% | 0.81% | +51 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 | 0.22% | 0.59% | 1.65% | 0.28% | 0.71% | 0.75% | 1.03% | 0.32% | +5 bps | |
| Allowance / Loans | 0.78% | 0.87% | 1.02% | 1.21% | 1.21% | 1.26% | 1.35% | 1.34% | +12 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 | 26.02% | 26.55% | 26.78% | 26.64% | 26.61% | 28.73% | 28.94% | 28.40% | +175 bps | |
| Equity / Assets | 7.58% | 7.73% | 7.85% | 7.61% | 7.52% | 7.98% | 8.00% | 8.07% | +46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 42.78% | 41.79% | 39.88% | 39.20% | 38.59% | 36.50% | 34.29% | 33.30% | -589 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 |