New York, NY · Cert 58641
FDIC · 1 branch
Q1 2021
Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2020 SOD (annual) · 0.0% share · #117 of 180 inst. · $0.3B 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 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.12% | 0.67% | 0.90% | 1.53% | 1.88% | +77 bps | |
| Return on Equity | 10.56% | 7.93% | 12.31% | 20.31% | 25.57% | +1,501 bps | |
| Net Interest Margin | 4.16% | 4.89% | 5.19% | 4.65% | 5.42% | +125 bps | |
| Efficiency Ratio | 62.21% | 53.96% | 54.39% | 39.92% | 41.20% | -2,102 bps | |
| Non-Interest Burden | 2.22% | 1.87% | 1.65% | 0.67% | 0.96% | -126 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.93% | 62.62% | 54.02% | 56.80% | 73.97% | +6,704 bps | |
| Loan Growth (YoY) | 9.95% | 68.57% | 66.70% | 50.97% | 75.69% | +6,573 bps | |
| Deposit Growth (YoY) | 5.59% | 11.87% | 2.94% | 10.31% | 7.43% | +184 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.95% | 0.72% | 0.70% | 1.24% | 1.01% | +6 bps | |
| Net Charge-Offs / Loans | -0.04% | -0.03% | 0.23% | -0.05% | -0.03% | +1 bps | |
| Allowance / Loans | 1.67% | 1.39% | 1.42% | 1.67% | 1.40% | -27 bps | |
| Allowance Coverage of NPLs | 1.8x | 1.9x | 2.0x | 1.3x | 1.4x | -0.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.61% | 9.82% | 11.09% | 10.66% | 11.23% | +62 bps | |
| Total Risk-Based Capital | 14.08% | 15.16% | 14.99% | 16.28% | 16.66% | +258 bps | |
| Equity / Assets | 10.46% | 7.11% | 7.44% | 7.67% | 7.09% | -337 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 100.54% | 149.90% | 162.70% | 139.54% | 164.43% | +6,389 bps | |
| Liquid Assets / Assets | 12.01% | 10.72% | 6.01% | 15.15% | 11.69% | -33 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |