Mahopac, NY · Cert 7153
FDIC · 14 branches
Q4 2021
Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2021 SOD (annual) · 0.0% share · #78 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 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.38% | 0.61% | 0.80% | 0.86% | 1.14% | 1.13% | 1.08% | 1.12% | +26 bps | |
| Return on Equity | 3.56% | 5.99% | 8.05% | 8.70% | 11.96% | 11.89% | 11.56% | 11.99% | +328 bps | |
| Net Interest Margin | 3.42% | 3.21% | 3.17% | 3.21% | 3.05% | 3.05% | 3.06% | 3.11% | -10 bps | |
| Efficiency Ratio | 63.63% | 64.76% | 63.55% | 62.80% | 61.33% | 60.11% | 60.77% | 60.63% | -217 bps | |
| Non-Interest Burden | 2.01% | 1.94% | 1.88% | 1.88% | 1.74% | 1.70% | 1.73% | 1.75% | -13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.38% | 13.87% | 20.38% | 9.32% | 21.55% | 3.88% | 3.02% | 6.03% | -329 bps | |
| Loan Growth (YoY) | 1.68% | 15.19% | 15.66% | 13.15% | 14.23% | -1.06% | -3.82% | -0.92% | -1,407 bps | |
| Deposit Growth (YoY) | 3.84% | 27.38% | 28.00% | 25.29% | 30.35% | 4.94% | 5.04% | 5.67% | -1,962 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.67% | 0.59% | 0.60% | 0.55% | 0.47% | 0.47% | 0.46% | 0.39% | -16 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.01% | 0.01% | 0.01% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.11% | 1.05% | 0.97% | 1.01% | 0.93% | 0.93% | 0.91% | 0.83% | -19 bps | |
| Allowance Coverage of NPLs | 1.7x | 1.8x | 1.6x | 1.8x | 2.0x | 2.0x | 2.0x | 2.1x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.99% | 8.27% | 8.16% | 8.19% | 8.13% | 8.16% | 8.15% | 8.07% | -13 bps | |
| Total Risk-Based Capital | 12.89% | 13.19% | 13.08% | 13.01% | 13.26% | 13.44% | 13.03% | 12.70% | -31 bps | |
| Equity / Assets | 10.77% | 9.55% | 9.09% | 10.06% | 9.01% | 9.45% | 8.97% | 9.45% | -61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.37% | 85.18% | 81.00% | 88.30% | 80.06% | 80.32% | 74.17% | 82.80% | -551 bps | |
| Liquid Assets / Assets | 0.18% | 4.52% | 6.31% | 0.42% | 6.45% | 5.32% | 8.93% | 3.18% | +276 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |