Islandia, NY · Cert 58654
FDIC · 7 branches
Q4 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2019, the quarter ended December 31, 2019, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Islandia, NY · Cert 58654
FDIC · 7 branches
Q4 2019
Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2019 SOD (annual) · 0.0% share · #104 of 187 inst. · $0.5B of $1861.3B
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 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.58% | 0.61% | 0.57% | 0.57% | 0.59% | 0.62% | 0.65% | 0.63% | +6 bps | |
| Return on Equity | 5.27% | 5.51% | 5.21% | 5.31% | 5.77% | 6.01% | 6.23% | 6.02% | +71 bps | |
| Net Interest Margin | 3.05% | 2.98% | 2.84% | 2.80% | 2.72% | 2.67% | 2.62% | 2.59% | -21 bps | |
| Efficiency Ratio | 74.01% | 74.54% | 73.96% | 72.45% | 68.71% | 67.89% | 67.22% | 68.48% | -397 bps | |
| Non-Interest Burden | 2.24% | 2.20% | 2.09% | 2.01% | 1.85% | 1.79% | 1.74% | 1.74% | -27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.93% | 7.84% | 13.65% | 18.23% | 10.55% | 14.83% | 3.66% | 0.63% | -1,760 bps | |
| Loan Growth (YoY) | 13.59% | 10.12% | 18.27% | 16.98% | 18.22% | 16.16% | 6.77% | 4.75% | -1,222 bps | |
| Deposit Growth (YoY) | 9.61% | 0.65% | 15.18% | 20.94% | 14.27% | 15.57% | -3.76% | -2.79% | -2,372 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.02% | 0.02% | 0.02% | 0.00% | 0.00% | 0.00% | 0.61% | 0.60% | +60 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.02% | 0.02% | 0.02% | -0.02% | -0.02% | -0.02% | -0.01% | -3 bps | |
| Allowance / Loans | 1.01% | 0.98% | 0.97% | 0.96% | 0.96% | 0.98% | 0.99% | 0.98% | +2 bps | |
| Allowance Coverage of NPLs | 43.5x | 40.8x | 46.7x | n/a | n/a | n/a | 1.6x | 1.6x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.07% | 11.10% | 10.74% | 10.58% | 10.40% | 10.38% | 10.43% | 10.51% | -7 bps | |
| Total Risk-Based Capital | 16.43% | 16.20% | 15.27% | 15.09% | 14.71% | 14.93% | 15.29% | 15.15% | +6 bps | |
| Equity / Assets | 10.69% | 11.05% | 10.23% | 10.21% | 10.32% | 10.39% | 10.70% | 10.78% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.32% | 95.30% | 89.02% | 93.29% | 94.47% | 95.78% | 98.76% | 100.52% | +724 bps | |
| Liquid Assets / Assets | 11.01% | 6.70% | 8.50% | 7.76% | 5.25% | 5.68% | 5.76% | 4.89% | -287 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |