New York, NY · Cert 58858
FDIC
Q4 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2012, the quarter ended December 31, 2012, 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.
New York, NY · Cert 58858
FDIC
Q4 2012
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 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.16% | 0.11% | 0.13% | 0.15% | -0.18% | -0.38% | -0.30% | -0.17% | -32 bps | |
| Return on Equity | 1.61% | 1.10% | 1.20% | 1.43% | -1.41% | -2.74% | -1.95% | -1.05% | -247 bps | |
| Net Interest Margin | 3.68% | 3.67% | 3.78% | 3.64% | 1.08% | 2.22% | 2.64% | 2.74% | -90 bps | |
| Efficiency Ratio | 95.32% | 96.63% | 97.17% | 96.30% | 120.52% | 112.53% | 98.43% | 95.09% | -122 bps | |
| Non-Interest Burden | 3.50% | 3.54% | 3.67% | 3.49% | 1.34% | 2.57% | 2.66% | 2.67% | -83 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.73% | 4.84% | 10.80% | 3.86% | 2.20% | 4.90% | -1.51% | -6.43% | -1,029 bps | |
| Loan Growth (YoY) | -6.53% | -6.96% | -8.85% | -8.53% | -2.77% | -0.78% | -4.02% | -11.36% | -282 bps | |
| Deposit Growth (YoY) | 11.45% | 5.64% | 10.23% | 8.17% | -3.67% | -10.16% | -9.12% | -16.85% | -2,501 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 | 0.30% | 0.25% | 0.24% | 0.18% | 0.00% | 0.00% | 0.03% | 0.00% | -18 bps | |
| Allowance / Loans | 1.95% | 1.91% | 1.86% | 1.95% | 0.01% | 0.21% | 0.55% | 0.65% | -130 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 | 16.78% | 17.11% | 17.12% | 17.23% | 21.06% | 20.50% | 29.21% | 32.28% | +1,505 bps | |
| Equity / Assets | 10.19% | 10.75% | 11.05% | 10.34% | 15.61% | 15.61% | 20.91% | 20.50% | +1,017 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.66% | 74.08% | 76.95% | 65.38% | 74.35% | 81.82% | 81.27% | 69.70% | +432 bps | |
| Liquid Assets / Assets | 4.20% | 4.25% | 3.59% | 3.73% | 1.61% | 2.95% | 4.32% | 16.44% | +1,272 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |