New York, NY · Cert 7220
FDIC
Q3 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2013, the quarter ended September 30, 2013, 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 7220
FDIC
Q3 2013
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 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.85% | 0.86% | 0.93% | 0.92% | 0.96% | 0.75% | 0.87% | 0.83% | -9 bps | |
| Return on Equity | 10.65% | 10.12% | 10.85% | 10.72% | 11.24% | 8.78% | 10.13% | 9.59% | -113 bps | |
| Net Interest Margin | 3.35% | 3.78% | 3.71% | 3.66% | 3.58% | 3.65% | 3.72% | 3.70% | +3 bps | |
| Efficiency Ratio | 71.74% | 70.34% | 68.34% | 68.56% | 67.95% | 72.83% | 69.66% | 70.45% | +189 bps | |
| Non-Interest Burden | 1.96% | 2.17% | 2.01% | 2.03% | 1.96% | 2.23% | 2.13% | 2.20% | +18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.00% | 4.82% | -0.09% | 2.59% | 10.16% | 11.18% | 7.71% | 3.28% | +69 bps | |
| Loan Growth (YoY) | 13.20% | 12.56% | 15.41% | 12.79% | 16.84% | 19.51% | 12.89% | 9.69% | -310 bps | |
| Deposit Growth (YoY) | 12.45% | 11.74% | 2.74% | 8.97% | 13.08% | 14.30% | 8.95% | 3.39% | -558 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 | 0.68% | 0.80% | 0.59% | 0.45% | 0.45% | 0.42% | 0.36% | 0.38% | -7 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | 1.29% | 1.26% | 1.20% | n/a | |
| 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 | 12.63% | 12.30% | 12.25% | 12.38% | 12.37% | 12.69% | 12.68% | 12.66% | +28 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | 8.56% | 8.88% | 8.70% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.90% | 72.62% | 76.89% | 74.82% | 77.39% | 75.92% | 79.66% | 79.37% | +455 bps | |
| Liquid Assets / Assets | 16.59% | 16.90% | 15.05% | 14.63% | 14.27% | 20.22% | 17.15% | 18.21% | +358 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |