Bronx, NY · Cert 58170
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% | 0.29% | 0.34% | 0.16% | 0.23% | 0.10%1 | -0.19% | 0.30%1 | +15 bps | |
| Return on Equity | 3.44% | 3.87% | 4.50% | 2.06% | 3.09% | 1.38% | -2.41% | 3.91% | +185 bps | |
| Net Interest Margin | 2.08% | 2.27% | 2.22% | 2.00% | 1.86% | 1.86% | 1.67% | 1.40% | -60 bps | |
| Efficiency Ratio | 83.01% | 76.32% | 75.26% | 78.01% | 82.37% | 87.33% | 99.75% | 111.84% | +3,382 bps | |
| Non-Interest Burden | 1.70% | 1.69% | 1.64% | 1.52% | 1.48% | 1.61% | 1.66% | 1.58% | +6 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 | 0.16% | 0.20% | 0.39% | 0.56% | 0.78% | 0.97% | 1.25% | 0.57% | 0 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 |