Merrick, NY · Cert 58419
FDIC
Q4 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.64% | -2.83% | -3.09% | -2.29% | -11.46% | -982 bps | |
| Return on Equity | -13.56% | -25.25% | -31.37% | -25.38% | -147.62% | -13,406 bps | |
| Net Interest Margin | 2.80% | 2.47% | 2.31% | 1.92% | 2.08% | -72 bps | |
| Efficiency Ratio | 164.19% | 204% | 195.34% | 206% | 214% | +5,022 bps | |
| Non-Interest Burden | 4.81% | 5.17% | 4.83% | 4.39% | 4.66% | -15 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -17.56% | -6.18% | -6.27% | -5.72% | -9.00% | +855 bps | |
| Loan Growth (YoY) | -31.73% | -36.71% | -29.67% | -23.88% | -23.86% | +786 bps | |
| Deposit Growth (YoY) | -21.23% | -5.96% | -5.73% | -3.14% | -2.72% | +1,851 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.16% | 0.68% | 1.02% | 0.27% | 10.19% | +903 bps | |
| Allowance / Loans | 2.01% | 2.16% | 2.72% | 2.78% | 2.11% | +10 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 17.43% | 16.45% | 18.34% | 17.49% | 15.59% | -184 bps | |
| Equity / Assets | 12.19% | 10.33% | 9.35% | 8.65% | 6.78% | -541 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 75.38% | 59.20% | 49.65% | 55.14% | 59.00% | -1,639 bps | |
| Liquid Assets / Assets | 5.24% | 13.99% | 12.77% | 9.85% | 1.35% | -389 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |