Islandia, NY · Cert 58632
FDIC · 4 branches
Q3 2020
Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2020 SOD (annual) · 0.0% share · #79 of 180 inst. · $0.9B of $2319.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.44% | 0.42% | 0.42% | 0.51% | 0.70% | 0.28% | 0.90% | 0.76% | +24 bps | |
| Return on Equity | 5.43% | 4.91% | 4.90% | 5.70% | 7.38% | 2.84% | 9.19% | 7.31% | +161 bps | |
| Net Interest Margin | 2.67% | 2.53% | 2.52% | 2.51% | 2.63% | 2.50% | 2.95% | 2.80% | +29 bps | |
| Efficiency Ratio | 77.17% | 81.17% | 78.38% | 77.16% | 70.76% | 79.41% | 56.83% | 56.93% | -2,023 bps | |
| Non-Interest Burden | 2.02% | 2.02% | 1.93% | 1.89% | 1.81% | 1.94% | 1.61% | 1.54% | -36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.80% | 10.50% | 6.77% | 2.76% | -0.98% | -4.34% | 1.47% | -9.05% | -1,181 bps | |
| Loan Growth (YoY) | 29.65% | 25.49% | 13.72% | 5.14% | 0.76% | -0.80% | 2.43% | 1.47% | -368 bps | |
| Deposit Growth (YoY) | 9.62% | 8.81% | 4.41% | -0.11% | -3.30% | -5.73% | 0.81% | -11.01% | -1,090 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.57% | 0.36% | 0.34% | 0.50% | 0.49% | 0.66% | 0.40% | 0.36% | -14 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.04% | 0.11% | 0.01% | 0.00% | 0.30% | 0.05% | -6 bps | |
| Allowance / Loans | 0.96% | 0.96% | 0.96% | 0.95% | 0.94% | 1.04% | 1.01% | 1.16% | +21 bps | |
| Allowance Coverage of NPLs | 1.7x | 2.7x | 2.8x | 1.9x | 1.9x | 1.6x | 2.5x | 3.2x | +1.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.93% | 8.81% | 8.90% | 9.18% | 9.51% | 9.17% | 9.54% | 10.10% | +92 bps | |
| Total Risk-Based Capital | 14.15% | 14.09% | 14.57% | 15.42% | 15.57% | 16.52% | 9.54% | 10.10% | -531 bps | |
| Equity / Assets | 8.44% | 8.48% | 8.80% | 9.25% | 9.79% | 9.92% | 9.62% | 11.15% | +190 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.19% | 71.80% | 73.35% | 74.29% | 78.35% | 75.56% | 74.54% | 84.71% | +1,042 bps | |
| Liquid Assets / Assets | 1.32% | 4.50% | 3.97% | 4.47% | 3.58% | 4.76% | 12.11% | 5.19% | +72 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |