Bronx, NY · Cert 58170
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.
Bronx, NY · Cert 58170
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 | 0.40%1 | 0.29% | 0.31% | 0.26% | 0.25% | 0.10%1 | -0.04% | 0.07%1 | -19 bps | |
| Return on Equity | 5.90% | 3.87% | 4.18% | 3.50% | 3.40% | 1.38% | -0.55% | 0.97% | -253 bps | |
| Net Interest Margin | 1.76% | 2.27% | 2.23% | 2.17% | 2.10% | 1.86% | 1.75% | 1.64% | -53 bps | |
| Efficiency Ratio | 93.42% | 76.32% | 75.80% | 76.49% | 77.87% | 87.33% | 93.20% | 98.47% | +2,197 bps | |
| Non-Interest Burden | 1.63% | 1.69% | 1.66% | 1.62% | 1.59% | 1.61% | 1.62% | 1.61% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.22% | 0.56% | -4.23% | -1.19% | -0.23% | -0.16% | 0.48% | 1.66% | +286 bps | |
| Loan Growth (YoY) | 12.95% | 12.72% | -7.24% | -14.23% | -16.25% | -16.92% | -18.48% | -17.86% | -363 bps | |
| Deposit Growth (YoY) | -0.70% | 0.02% | -0.08% | -0.30% | -0.16% | -0.22% | 0.88% | 1.35% | +165 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 | 0.70% | 0.20% | 0.30% | 0.40% | 0.51% | 0.97% | 1.13% | 0.98% | +58 bps | |
| Allowance / Loans | 0.88% | 0.92% | 0.94% | 1.04% | 1.05% | 1.09% | 1.23% | 1.31% | +26 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 | 24.84% | 25.60% | 26.14% | 25.90% | 27.92% | 29.02% | 28.98% | 27.98% | +207 bps | |
| Equity / Assets | 7.33% | 7.43% | 7.70% | 7.38% | 7.28% | 7.71% | 7.69% | 7.81% | +43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 36.64% | 35.32% | 34.13% | 32.69% | 30.73% | 29.41% | 27.58% | 26.49% | -620 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 |