Yonkers, NY · Cert 58652
FDIC · 7 branches
Q3 2021
Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2021 SOD (annual) · 0.0% share · #77 of 173 inst. · $1.1B of $2606.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.21% | 1.10% | 1.27% | 1.32% | 1.31% | +10 bps | |
| Return on Equity | 10.83% | 9.97% | 12.48% | 12.86% | 12.57% | +175 bps | |
| Net Interest Margin | 2.96% | 2.90% | 3.00% | 2.85% | 2.94% | -2 bps | |
| Efficiency Ratio | 47.18% | 46.74% | 43.09% | 42.38% | 43.87% | -331 bps | |
| Non-Interest Burden | 1.35% | 1.31% | 1.20% | 1.13% | 1.21% | -13 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 35.51% | 24.23% | 27.64% | 14.59% | 6.64% | -2,887 bps | |
| Loan Growth (YoY) | 14.16% | 6.73% | 6.24% | 0.13% | 5.49% | -866 bps | |
| Deposit Growth (YoY) | 45.30% | 27.62% | 30.12% | 18.08% | 7.66% | -3,764 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.18% | 0.43% | 0.31% | 0.23% | 0.38% | +20 bps | |
| Net Charge-Offs / Loans | 0.13% | 0.09% | 0.00% | 0.00% | 0.00% | -13 bps | |
| Allowance / Loans | 1.48% | 1.64% | 1.65% | 1.65% | 1.66% | +18 bps | |
| Allowance Coverage of NPLs | 8.3x | 3.8x | 5.3x | 7.2x | 4.4x | -3.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.50% | 10.41% | 10.50% | 10.19% | 10.72% | +22 bps | |
| Total Risk-Based Capital | 14.38% | 14.86% | 15.04% | 15.26% | 15.76% | +138 bps | |
| Equity / Assets | 10.45% | 10.38% | 10.06% | 10.30% | 11.00% | +56 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 85.40% | 86.41% | 81.42% | 80.03% | 83.68% | -172 bps | |
| Liquid Assets / Assets | 23.03% | 21.84% | 22.28% | 22.37% | 21.77% | -126 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |