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 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.79% | -4.86% | -1.32% | -1.64% | -2.83% | -3.09% | -2.29% | -11.46% | -982 bps | |
| Return on Equity | -6.85% | -42.67% | -11.37% | -13.56% | -25.25% | -31.37% | -25.38% | -147.62% | -13,406 bps | |
| Net Interest Margin | 3.03% | 2.72% | 2.60% | 2.80% | 2.47% | 2.31% | 1.92% | 2.08% | -72 bps | |
| Efficiency Ratio | 118.73% | 140.96% | 168.05% | 164.19% | 204% | 195.34% | 206% | 214% | +5,022 bps | |
| Non-Interest Burden | 3.61% | 4.01% | 4.49% | 4.81% | 5.17% | 4.83% | 4.39% | 4.66% | -15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.10% | -10.83% | -10.32% | -17.56% | -6.18% | -6.27% | -5.72% | -9.00% | +855 bps | |
| Loan Growth (YoY) | -17.56% | -37.62% | -37.17% | -31.73% | -36.71% | -29.67% | -23.88% | -23.86% | +786 bps | |
| Deposit Growth (YoY) | 1.80% | -9.89% | -12.73% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.13% | 13.88% | 0.04% | 1.16% | 0.68% | 1.02% | 0.27% | 10.19% | +903 bps | |
| Allowance / Loans | 1.96% | 2.21% | 2.33% | 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 | 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 | 16.14% | 16.49% | 16.48% | 17.43% | 16.45% | 18.34% | 17.49% | 15.59% | -184 bps | |
| Equity / Assets | 11.64% | 11.15% | 12.03% | 12.19% | 10.33% | 9.35% | 8.65% | 6.78% | -541 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.96% | 66.56% | 70.16% | 75.38% | 59.20% | 49.65% | 55.14% | 59.00% | -1,639 bps | |
| Liquid Assets / Assets | 10.43% | 0.83% | 5.82% | 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 | n/a | n/a | n/a |