Smithtown, NY · Cert 664
FDIC
Q3 2010
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 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.22% | 0.83% | 0.77% | 0.56% | -0.44% | -2.08% | -3.37% | -3.36% | -393 bps | |
| Return on Equity | 14.08% | 10.62% | 9.66% | 7.29% | -5.92% | -31.86% | -53.66% | -56.31% | -6,360 bps | |
| Net Interest Margin | 3.00% | 2.75% | 2.75% | 2.71% | 2.56% | 3.16% | 3.21% | 3.22% | +51 bps | |
| Efficiency Ratio | 49.90% | 56.87% | 57.63% | 54.97% | 61.98% | 59.68% | 66.25% | 68.49% | +1,351 bps | |
| Non-Interest Burden | 1.26% | 1.39% | 1.43% | 1.35% | 1.48% | 1.74% | 2.00% | 2.08% | +74 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 66.33% | 69.57% | 53.82% | 57.89% | 41.19% | 11.81% | -1.49% | -14.66% | -7,255 bps | |
| Loan Growth (YoY) | 71.63% | 62.20% | 45.54% | 40.03% | 24.79% | 11.97% | 0.38% | -8.50% | -4,853 bps | |
| Deposit Growth (YoY) | 37.90% | 71.41% | 60.29% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | 0.02% | 0.08% | 1.13% | 2.40% | 3.33% | 3.30% | +322 bps | |
| Allowance / Loans | 0.67% | 0.68% | 0.72% | 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 | 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 | 10.62% | 10.10% | 11.52% | 11.20% | 10.37% | 9.96% | 9.31% | 8.59% | -260 bps | |
| Equity / Assets | 8.41% | 7.35% | 8.11% | 7.25% | 6.51% | 6.55% | 5.76% | 4.97% | -228 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 123.45% | 109.10% | 110.41% | 100.43% | 101.55% | 108.94% | 108.42% | 105.38% | +495 bps | |
| Liquid Assets / Assets | 0.01% | 6.25% | 0.43% | 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 | n/a | n/a | n/a |