Smithtown, NY · Cert 664
FDIC
Q3 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.23% | -3.00% | -2.08% | -4.77% | -3.39% | -362 bps | |
| Return on Equity | 2.95% | -43.59% | -31.86% | -77.49% | -63.18% | -6,613 bps | |
| Net Interest Margin | 3.14% | 2.79% | 3.16% | 3.09% | 3.01% | -13 bps | |
| Efficiency Ratio | 50.60% | 80.96% | 59.68% | 73.25% | 73.36% | +2,276 bps | |
| Non-Interest Burden | 1.43% | 2.21% | 1.74% | 2.16% | 2.11% | +67 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 57.89% | 41.19% | 11.81% | -1.49% | -14.66% | -7,255 bps | |
| Loan Growth (YoY) | 40.03% | 24.79% | 11.97% | 0.38% | -8.50% | -4,853 bps | |
| Deposit Growth (YoY) | 75.66% | 51.70% | 12.13% | 2.22% | -12.80% | -8,846 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.19% | 4.29% | 2.40% | 4.19% | 2.99% | +280 bps | |
| Allowance / Loans | 1.10% | 1.83% | 2.51% | 2.93% | 3.59% | +249 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 11.20% | 10.37% | 9.96% | 9.31% | 8.59% | -260 bps | |
| Equity / Assets | 7.25% | 6.51% | 6.55% | 5.76% | 4.97% | -228 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 100.43% | 101.55% | 108.94% | 108.42% | 105.38% | +495 bps | |
| Liquid Assets / Assets | 0.67% | 0.03% | 2.14% | 0.88% | 3.08% | +242 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |