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648-375 | Cisco Express Foundation for Systems Engineers

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648-375 - Cisco Express Foundation for Systems Engineers - braindump

Vendor Cisco
Exam Number 648-375
Exam Name Cisco Express Foundation for Systems Engineers
Questions 211 Q & A
Recent Update March 16, 2018
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California Wildfire: American red go Opens Shelters for Evacuees | killexams.com real questions with brain dumps

Ventura, California - The American purple move is featuring safeguard and guide to aid americans in the direction of speedy-moving wildfires which broke out the previous day in Southern California, forcing americans from their homes.

The Thomas hearth is burning out of handle and has already consumed 31,000 acres. Ventura County and the cities of Santa Paula and Ventura have declared emergencies and obligatory evacuation orders have been issued for as many as 27,000 individuals. hundreds are with out power, quite a few faculties are closed and some sufferers were evacuated to different hospitals.

unhealthy hearth circumstances are anticipated to be a hazard for Southern California for an awful lot of this week, with officers calling this the strongest and longest length Santa Ana wind adventure seen this wildfire season.

The pink pass has shelters open the place 240 individuals spent Monday night. every person is welcome at crimson move shelters. individuals don't should be americans to receive our counsel. pink go volunteers are working to make sure that all and sundry – including little ones, the aged, and people with special needs – get the absolute best support during this challenging time.

extra volunteers, cots, blankets and emergency components are being mobilized now to aid relief efforts. The purple go is additionally working closely with government and group partners to coordinate aid efforts.

This latest fire comes on the heels of the devastating wildfires which burned greater than 245,000 acres in northern California in October, destroying lots of homes. greater than 1,000 crimson go disaster laborers responded in northern California and the purple move continues to assist. red move caseworkers are assembly with these affected, assisting them plan their restoration.

how to discover a defend if you want the area of a look after or other support, make sure you comply with your local media or go to redcross.org and verify the shelter map. individuals can additionally find a shield by using downloading the free purple move Emergency App. The Emergency App also puts wildfire safeguard counsel at your fingertips. The app is available in app outlets by way of searching for the American purple pass or going to redcross.org/apps.

The pink move is working with partners to provide look after evacuated pets. We motivate any one who needs a secure vicinity to live to come to an evacuation preserve, and proper accommodations should be discovered for family unit pets. service animals and remedy pets are welcome at pink pass shelters.

how one can support that you can help people affected by disasters big and small, like wildfires and numerous other crises, via making a donation to support crimson pass catastrophe aid. Your reward allows the crimson cross to put together for, respond to, and aid americans get better from mess ups massive and small. call, click, or textual content to provide: seek advice from redcross.org, call 1-800 red cross or textual content the observe REDCROSS to 90999 to make a $10 donation.


The crimson pass urges everybody to follow evacuation orders from local legislations enforcement and have an emergency equipment able to go. discuss with the red pass secure and well site at http://www.redcross.org/safeandwell to reconnect with relatives that could be missing all over a disaster. The web site allows individuals and groups to register and submit messages to indicate that they are secure, or to search for family. The web page is all the time accessible, open to the general public and accessible in Spanish. Registrations and searches can also be carried out directly on the web site. Registrations can even be completed by using texting safe to 78876.

that you would be able to also use the “I’m secure” characteristic of the red cross Emergency App to let relatives know your popularity.

IF a fireplace occurs listen to your native media for updates on the fire and be ready to go away directly. returned your automobile into the garage or park it in an open space facing your course of get away. be sure to additionally:

  • keep your pets in a single room so that you can find them rapidly if you ought to evacuate.
  • organize for a brief region to dwell backyard the threatened enviornment.
  • retain your indoor air clean – shut windows and doorways to keep away from the smoke outdoor from getting in your domestic.
  • Use the recycle mode on the air conditioner to your domestic or vehicle. if you don’t have air conditioning and it’s too sizzling to be inside, seek preserve in different places.
  • If smoke tiers are high, don’t use the rest that burns and provides to air pollutants inner corresponding to candles, fireplaces and gasoline stoves.
  • AFTER THE fire Don’t go home unless fire officers say it's secure. Be cautious coming into a burned enviornment – risks could nonetheless exist. keep away from damaged or downed power strains, poles and wires. different things to do include:

  • keep your animals below your direct manage. Hidden embers and scorching spots may burn them.
  • moist down particles to cut respiration dirt particles.
  • wear leather gloves and shoes with heavy soles.
  • Throw out any meals that has been exposed to warmth, smoke or soot.
  • Recheck for smoke or sparks all through your home for several hours after the fire, including for your attic. Wildfire winds can blow burning embers any place so check for embers that might trigger a hearth.
  • companies assist The generous donations from members of the crimson move Annual catastrophe Giving application (ADGP) and the disaster Responder program allow the American crimson cross to prepare communities for disasters huge and small, reply each time and anywhere failures occur and aid families all the way through the recovery technique.

    ADGP $1 Million members are: American airlines; Anheuser-Busch foundation; Anthem foundation; financial institution of the united states; Caterpillar groundwork; The Clorox business; ConocoPhillips; Costco Wholesale; Delta Air strains; Disney; commercial enterprise hire-A-motor vehicle groundwork; FedEx; ordinary Motors groundwork; Grainger; The domestic Depot basis; LDS Charities; Lowe's organizations, Inc.; Mazda North American Operations; Microsoft Corp.; Nationwide basis; New steadiness foundation and New stability Athletics; PepsiCo groundwork; State Farm; goal; UPS; VSP international; and Walmart and the Walmart basis.

    ADGP $500,000 participants are: Altria group; American express; Aon; Boise Paper; Capital One; Cisco groundwork; Citi basis; Darden restaurants, Inc. basis; discover; Edison overseas; energy switch/Sunoco basis; Farmers assurance; Ford Motor company; Humble Bundle; international Paper; John Deere groundwork; Johnson Controls; LabCorp; McDonald’s corporation; Medtronic basis; Meijer; Merck foundation; Mondelēz foreign groundwork; Procter & Gamble business; PwC; Reynolds American basis; Ryder; Southwest airlines; Tata Consultancy features; TD Ameritrade; The TJX organizations, Inc.; United airways; The Wawa foundation; and Wells Fargo.

    catastrophe Responder software contributors are: Adobe; AdvoCare overseas L.P.; Alcoa; Alliance information; Assurant; Astellas country foundation; AT&T; AvalonBay Communities, Inc.; AXA; The Ball basis; BMW of North the usa; BNY Mellon; CarMax; Cox car; Duke power; Entergy organization; Harbor Freight tools groundwork; Hewlett Packard business basis; HP groundwork; IBM organisation; Ingersoll Rand groundwork; The J.M. Smucker enterprise; Land O’Lakes, Inc.; Mastercard; Morgan Stanley; Neiman Marcus community; Northrop Grumman service provider; Northwestern Mutual and the Northwestern Mutual foundation; Prudential groundwork; SC Johnson; SERVPRO; Southeastern Grocers home of BI-LO Harveys Winn Dixie; regular fabric; Toyota; U-Haul overseas; United technologies business enterprise; The USAA basis; U.S. financial institution; and Visa.

    Dicker statistics turns Cisco channel in opposition t HPE NZ | killexams.com real questions with brain dumps

    Dicker facts has been appointed as distributor for Hewlett Packard business (HPE) in New Zealand, tasked with turning Cisco companions in opposition t a rival product portfolio.

    in response to missing out on the profitable Cisco portfolio in August, Reseller information can exclusively reveal that the distributor will begin distribution of Aruba, records centre networking and Nimble Storage tiers, valuable instantly.

    Dicker information additionally up to now distributed Nimble Storage in New Zealand, ahead of the dealer's acquisition by means of HPE in March 2017.

    Representing a significant enhance for the local enterprise, Dicker records has acted on plans to “reply aggressively” following the loss of Cisco only three months ago.

    subsequently, Dicker statistics now joins Exeed and Ingram Micro as HPE distributors across the country but at this stage, only the two incumbents carry the full portfolio in New Zealand.

    “It’s very beautiful to be asserting our first entry to the HPE portfolio in New Zealand,” Dicker data chairman and CEO David Dicker instructed Reseller information.

    “We’ve been their main distributor in Australia for decades and we’ve already transplanted the methods, procedures and skills powering our Australian success into our New Zealand operation.

    “This advantage coupled with our huge mid-market and business accomplice base underpins a powerful basis for fulfillment.”

    Coupled with a powerful ecosystem of Cisco-centric partners, Reseller information is aware that Dicker records has established a committed Infrastructure company Unit to help the HPE deal in New Zealand.

    Led by company unit manager Joshua Burtenshaw, the brand new division is comprised of individuals who deliver over 40 years of mixed Kiwi channel experience.

    This, coupled with the distributor’s 19 years of networking distribution advantage and talents, gifts a “powerful probability” for incremental increase, peculiarly across mid-market and small company sectors.

    “Our crew is longing for carefully collaborating with the brand new Zealand HPE crew to carry on their expectations and establish what I trust will be one of the crucial key relationships in our New Zealand increase approach,” Dicker added.

    searching ahead, Dicker facts will center of attention on introducing its networking companions - predominantly of Cisco beginning - to the HPE company and items all the way through its first ninety days as a distributor.

    via initiatives equivalent to practicing, enablement and aggressive positioning, Dicker referred to the crew will “proactively have interaction” partners, assisting the channel greater understand the merits of HPE items.

    furthermore, Dicker facts will even be offering pre-revenue assist, configuration capabilities and assignment management capabilities to partners to be sure the company is supporting its partners all through the entire income method up to start.

    Dicker Data New ZealandDicker facts New Zealand

    “The business market is core to our success in New Zealand,” Dicker information New Zealand universal supervisor of commercial enterprise Lisa Tierney delivered.

    “we're committed to offering on the needs of our customers in the commercial enterprise phase and our new partnership with Hewlett Packard enterprise additional reaffirms our place as a market main distributor.

    “we have potent plans in location to continue becoming our company right here in New Zealand and that i’m eager for using the success of the HPE portfolio in partnership with Joshua.”

    regardless of never protecting the HPE portfolio in New Zealand, Dicker statistics has strong credentials in Australia, evident through its honouring as Aruba properly Distributor of the year all through FY16, most effective four months after being appointed as a distributor across the Tasman.

    In 2017, the Australian enterprise was additionally awarded the Aruba right Distributor of the year South Pacific FY17 accolade, in awareness of providing consistent increase across the HPE portfolio.

    “Hewlett Packard commercial enterprise NZ are completely happy to confirm a new partnership with Dicker records NZ,” HPE NZ managing director Colin Henderson delivered.

    “The ever-evolving industry requires an ongoing center of attention on executing the brand new HPE strategy and gives the opportunity for our channel partners to leverage boom alternatives throughout key segments.”

    hard competition

    despite a robust song list of success in Australia although, Dicker statistics - devoid of the wider portfolio - will face challenging competitors for market share in a HPE channel already neatly served by way of Exeed and Ingram Micro.

    "Exeed changed into stunned via HPE’s determination to appoint a third Aruba distributor when the trade vogue appears to be leaning against distribution consolidation for small IT economies like New Zealand," Exeed managing director Justin Tye advised Reseller news. "That stated, we would like Dicker records smartly with their appointment."

    Such dominance through each Exeed and Ingram Micro also contributed to Sektor terminating its partnership with Aruba in August, regardless of being appointed following a an awful lot-publicised distribution overview in February 2016.

    As suggested exclusively via Reseller news, correct performing Exeed and Ingram Micro regained positions in the market, alongside Sektor, with Dicker facts missing out on the portfolio on the time.

    speedy ahead 18 months and the distributor at last has its coveted vendor however, a vendor which has sat atop of its target record in New Zealand given that buying categorical facts in 2014.

    “We don’t have HP here and that isn’t remarkable given HP is our greatest customer in Australia,” mentioned Dicker, when talking to Reseller information throughout the respectable rebranding of Dicker data in New Zealand in can also 2015.

    “We should have HP in New Zealand however we don’t and that’s the politics of the entire aspect. We’ll must work on that and it’s an extended procedure.

    “In Australia it took us well-nigh 15 years to comfy HP printers so it is a tough and size procedure. I’ve been in the enterprise for 37 years so i can be patient. undoubtedly we want to do it as quick as we are able to nevertheless it is complex to take it faraway from the different guy.”

    whereas HP isn’t on the agenda in the neighborhood, the distributor now has a foot firmly in the door of HPE in New Zealand.

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    Tags CiscoIngram MicroDicker DataAruba networkseXeednimble storageHewlett Packard enterprise

    Industrial Networking options (INS) Achieves Premier Certification from Cisco | killexams.com real questions with brain dumps

    ADDISON, Texas--(business WIRE)--Industrial Networking solutions (INS) introduced nowadays it has accomplished Premier Certification from Cisco®. To earn Premier Certification, INS had to meet standards for networking competency, provider, aid and client delight set forth by way of Cisco.

    INS President and COO Mike Finley made the announcement. “INS has been constructing most excellent-in-category IoT infrastructures for a sustainable, scalable and relaxed aggressive talents within the manufacturing, procedure manage, and oil and gas industries for 17 years. INS offers plant directors, handle equipment engineers and conventional community engineers with an understanding of the networking applied sciences vital in ultra-modern linked vegetation and companies. we're pleased to be partnered with Cisco and seem to be ahead to bringing Cisco’s connected manufacturing facility solutions to our consumers.”

    As a Cisco Premier licensed associate, INS demonstrates a number of technical abilities helping Cisco’s IIoT (Industrial internet of issues) initiative. “To achieve Cisco Premier Certification, INS turned into required to earn the Cisco express groundwork Specialization, which contains wide checking out on technical competency in the integration of primary routing and switching, instant LANs and safety applied sciences. INS’s engineering and income groups are certified as Cisco Industrial Networking specialists,” talked about Todd Gurela - Cisco Senior Director the us’s IoE/IoT earnings.

    About INS

    INS distributes products, presents technical aid and provides IT functions for wired and wireless desktop networking purposes. due to the fact its founding in 1998, INS has seen the industry area it serves variously labelled “Industrial Ethernet,” “computer-to-desktop” (M2M) and now the “cyber web of things” (IoT). all the way through these alterations in business jargon, although, one component has stayed regular: INS’s dedication to supply our valued clientele with top of the line-in-class items, guide and capabilities for their crucial wired and wireless computer networking software.

    About Cisco

    Cisco (NASDAQ: CSCO) is the global leader in networking that transforms how people join, talk and collaborate. information about Cisco may also be found at www.Cisco.com. For ongoing information, please go to newsroom.Cisco.com.

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    Test Code : 648-375
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    Q&A : 211 Real Test Questions/Answers

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    budget to price range Voyage: Sensex down, Reliance up | killexams.com real questions with brain dumps

    Nothwithstanding the diversity of opinions, experts, industry gamers and buyers have extra or much less found the Union price range 2016 an act of stability. however traders within the Sensex-30 agencies have been largely been on the receiving end within the span from finances 2015 to price range 2016. simplest Reliance Industries, together with two other heavyweights, have provided superb return throughout this length.

    final 12 months, the FM had announced the finances on 28 February, which became a Saturday. And markets had resumed trading on March 2, 2015. opposite to the stock market peak of 2015, markets have taken a dip following the 2016 Union finances on February 29.

    The League of stunning stocks

    Taking of selected shares, Reliance Industries Ltd has clearly emerged effective amid financial turbulence. price range to funds, the RIL stock offered an impressive eleven.90% return, at a time when BSE Sensex and Nifty 50 have crashed 21.91% and 21.99% respectively. additionally, the inventory has outperformed its peers additionally as the BSE Oil & gasoline index which has slumped 15.37% price range to budget.

    becoming a member of the victorious league, Bajaj Auto has accelerated via 6.05% throughout the duration. despite the sluggish auto sector between two union budgets, the greatest two-wheeler maker of India has offered a joy journey to its investors. Asian Paints is an additional winner amongst Sensex-30 shares, offering 2.86% return during the duration.

    La Liga Losers

    despite Modi government’s emphasis on Infra spending like remaining 12 months, engineering most important Bharat Heavy Electricals led a vast army of losers with a whopping 66.72% bad return. though the Indian rupee depreciated severely against the united states dollar all through the evaluation duration, shares of India’s biggest IT enterprise, Infosys Ltd, have miserably crashed 52.70%. Now that the U.S. has rolled up its sleeves to shop its IT sector from Indian outsourcing, best the worst appears in store.

    one of India’s leading manufacturers of passenger automobiles and commercial vehicles, Tata Motors, encountered a breakdown on Dalal street all the way through the length between two Union Budgets. Tata Motors shares tumbled by using 48.60% as in opposition t a fall of 20.forty four% in the BSE Auto index.

    The country’s largest bank State bank of India (SBI) is fighting mounting bad loans, and the FM’s proposal to allocate Rs. 25,000 crore for bank recapitalization has didn't cheer. SBI offers a hefty terrible outcomes of forty seven.53%. additionally, BSE Bankex and bank Nifty have fallen 31.18% and 30.29% respectively all the way through the duration. Following is the listing of Sensex 30 shares that have disillusioned buyers with medium to heavy losses on the bourses:

    bad performance of Sensex shares between two budgets




    change (%)



    ninety one.1

    -sixty six.seventy two


    2291.forty five

    1083.seventy five

    -fifty two.70








    -forty seven.fifty three




    -forty five.53




    -forty two.09




    -forty one.forty five
























    -25.fifty four


    159.fifty five














    -20.sixty seven








    -13.eighty three


    3707.ninety five




















    923.eighty five


    -7.forty four



    2499.sixty five





    -3.ninety six

    With the global financial system yet far from a robust restoration, the Indian inventory markets are expected to undergo the brunt in coming months too. The executive’s 2016 budget guarantees to convey the economic climate lower back not off course. but the million dollar question is: How and when will budgetary bulletins develop into truth? 

    manhattan neighborhood Bancorp, Inc. reports 4Q 2016 Diluted EPS of $0.23 and 2016 Diluted EPS of $1.01 | killexams.com real questions with brain dumps

    WESTBURY, N.Y.--(business WIRE)--ny neighborhood Bancorp, Inc. (NYSE:NYCB) (the “enterprise”) today pronounced revenue of $113.7 million, or $0.23 per diluted share, for the three months ended December 31, 2016 and $495.4 million, or $1.01 per diluted share, for the twelve months ended at that date.



    “Tangible property” and “tangible stockholders’ fairness” are non-GAAP monetary measures. Please see the discussion and reconciliations of those non-GAAP measures to the comparable GAAP measures on web page 13 of this unencumber.

    (2) “Adjusted internet hobby margin” is a non-GAAP financial measure. Please see the reconciliation and dialogue of our GAAP and non-GAAP web interest margins beginning on page 7 of this free up. (3) We calculate our efficiency ratio through dividing our operating costs via the sum of our net activity salary and non-pastime earnings.

    Commenting on the quarter, President and Chief executive Officer Joseph R. Ficalora addressed the termination of the merger contract with Astoria fiscal company, noting “it is our continued desire to handle the enterprise’s boom under the SIFI threshold as that threshold is presently, or prospectively, defined via our regulators. a big deal continues to be the surest manner for us to turn into a SIFI, and we continue to be inspired by way of the reality that ninety seven% of the votes solid by way of our buyers had been voted in desire of the Astoria deal.

    “consequently, it still would be fair to are expecting our transition to SIFI status to happen together with a transaction of some dimension. while we are expecting to make investments greater of our materials into fitting SIFI-compliant, we can be monitoring any adjustments in the regulatory panorama that could affect our plans.

    “We’ll also be doing more of what we do most fulfilling with reference to our core enterprise model: producing multi-family unit loans whereas keeping excessive credit score requisites and, at the same time, diversifying our mortgage portfolio and our funding mix.

    “in regards to our efficiency, the most first rate characteristic was, again, our extraordinary asset satisfactory. The big electricity of our belongings remains a corporation hallmark, and losses--that have been de minimus--have been unrelated to our core business lines. The best of our multi-family unit and commercial true property loans changed into mirrored within the absence of any charge-offs over the last 4 quarters, and our area of expertise finance portfolio performed flawlessly as smartly.

    “whereas the increase of our loan portfolio was tempered by sales of participations, we persevered to grow our share of our niche lending market, which is something we can proceed to do over the route of this 12 months.”

    Board of administrators proclaims $0.17 per Share Dividend Payable on February 22, 2017

    “With income of $0.23 per diluted share recorded in the fourth quarter, the Board of administrators remaining night declared a quarterly money dividend of $0.17 per share. The dividend may be payable on February 22, 2017 to shareholders of list as of February 7, and represents a dividend yield of four.2% in response to closing evening’s closing cost,” Mr. Ficalora noted.

    steadiness SHEET abstract

    The enterprise recorded total belongings of $forty eight.9 billion and $50.3 billion at December 31, 2016 and 2015, respectively. The $1.4 billion reduction became generally as a result of a $2.four billion decline in complete securities, to $3.eight billion, which became tempered via a $1.three billion raise in complete loans, net, to $39.three billion.

    For the four quarters ended December 31, 2016, the business’s total consolidated belongings averaged $49.0 billion, under the existing SIFI threshold of $50.0 billion.


    covered Loans

    basically reflecting repayments, coated loans, net, fell $354.three million year-over-year to $1.7 billion, representing four.3% of total loans, web, at December 31, 2016.

    Accretion on the coated mortgage portfolio totaled $32.three million and $33.9 million, respectively, within the present and year-earlier fourth quarters, and $131.3 million and $137.1 million, respectively, in the twelve months ended December 31, 2016 and 2015.

    Non-covered Loans Held for funding

    Non-covered loans held for funding totaled $37.4 billion on the end of this December, reflecting a linked-quarter boost of $22.0 million and a $1.6 billion increase year-over-12 months. whereas originations totaled $2.0 billion and $9.2 billion, respectively, in the three and twelve months ended December 31, 2016, personal loan boom was tempered with the aid of prepayments, and by way of income of participations totaling $320.1 million and $1.7 billion in the respective intervals.

    Multi-family loans, business true property (“CRE”) loans, and acquisition, construction, and construction (“ADC”) loans accounted for $246.four million, $70.three million, and $3.4 million, respectively, of loans bought within the present fourth quarter, and for $1.three billion, $338.7 million, and $3.four million, respectively, of loans that have been sold over the path of the year.

    Reflecting the personal loan sales referred to above, multi-household loans rose three.7% yr-over-12 months to $27.0 billion, whereas CRE loans fell 1.7% throughout that time to $7.7 billion. Absent the respective earnings of such loans over the remaining 4 quarters, the balance of multi-family unit loans would have grown 8.8% yr-over-yr to $28.three billion and the CRE loan portfolio would have grown 2.6% to $eight.1 billion at year-end.

    right here desk summarizes the enterprise’s production of loans held for investment for the three months ended December 31, 2016, September 30, 2016, and December 31, 2015 and for the twelve months ended December 31, 2016 and 2015:

        For the Three Months Ended     For the Twelve Months Ended Dec. 31,     Sept. 30,     Dec. 31, Dec. 31,     Dec. 31, (in heaps) 2016 2016 2015 2016 2015 personal loan Loans Originated for investment:           Multi-family $ 1,154,934 $ 1,276,358 $ 2,778,623 $ 5,684,838 $ 9,214,336 commercial true property 287,754 345,543 492,883 1,one hundred eighty,430 1,842,062 One-to-4 family 55,857 101,365 12,863 303,877 21,265 Acquisition, development, and development   26,328   17,855   13,433   150,177   155,312 complete mortgage loans originated for investment $ 1,524,873 $ 1,741,121 $ three,297,802 $ 7,319,322 $ eleven,232,975 other Loans Originated for investment: strong point finance $ 358,811 $ 369,308 $ 334,525 $ 1,266,362 $ 1,067,672 different business and industrial a hundred and forty,910 151,279 87,001 592,250 367,699 different   846   894   1,008   three,856   four,674 total other loans originated for investment $ 500,567 $ 521,481 $ 422,534 $ 1,862,468 $ 1,440,045 total loans originated for investment $ 2,025,440 $ 2,262,602 $ three,720,336 $ 9,181,790 $ 12,673,020  

    a couple of factors contributed to the decline in multi-family and CRE personal loan originations reflected in the preceding table, beginning with a customary decline in mortgage demand from the prior yr’s checklist levels, as the volume of new transactions and refinancing pastime waned. The slowdown of the market changed into exacerbated by using the upward thrust in market pastime fees that followed the November election.

    here table provides additional info in regards to the business’s multi-family unit and CRE mortgage portfolios at December 31, 2016, September 30, 2016, and December 31, 2015:

    (bucks in thousands)     December 31,


        September 30,


        December 31,


    Multi-household personal loan Portfolio: Loans mind-blowing $26,961,486 $27,083,291 $25,989,one hundred % of complete held-for-investment loans seventy two.1 % seventy two.5 % seventy two.7 % typical foremost steadiness $5,454 $5,384 $5,307 Weighted general existence 2.9years 2.9years 2.eight years   business precise property loan Portfolio: Loans dazzling $7,727,258 $7,767,one hundred forty four $7,860,162 p.c of complete held-for-investment loans 20.7 % 20.eight % 22.0 % commonplace predominant steadiness $5,644 $5,600 $5,376 Weighted commonplace existence 3.four years three.3 years three.2 years  

    additionally, the steadiness of held-for-investment loans reflected right here increases over the three and twelve months ended December 31, 2016:

  • One-to-4 household loans rose $forty nine.5 million and $264.2 million, respectively, to $381.1 million, representing 1.0% of non-coated loans held for investment;
  • ADC loans rose $9.1 million and $sixty nine.0 million, respectively, to $380.5 million, additionally representing 1.0% of non-covered held-for-investment loans; and
  • other loans rose $125.1 million and $446.8 million, respectively, to $1.9 billion, generally reflecting a rise in area of expertise finance loans and leases, according to the enterprise’s plans to grow this portfolio. principally, uniqueness finance loans and leases represented $1.three billion of the yr-conclusion “other loan” stability, having grown $124.5 million over the route of the quarter and $392.2 million 12 months-over-yr. other business and industrial (“C&I”) loans totaled $633.2 million on the conclusion of December, reflecting a yr-over-12 months boost of $63.1 million and a much more modest increase over the remaining three months. blanketed in C&I loans at 12 months-end were new york metropolis taxi medallion loans of $150.7 million, representing 0.40% of total held-for-investment loans.
  • Non-lined Loans Held on the market

    within the twelve months ended December 31, 2016, the company originated loans held on the market of $four.6 billion, a $33.5 million decrease from the year-prior amount. Fourth-quarter originations accounted for $1.1 billion of the total-yr extent, down $335.9 million from the trailing-quarter quantity and up $234.8 million from the year-previous volume.

    Non-lined loans held on the market totaled $409.2 million on the conclusion of this December, a linked-quarter lessen of $292.2 million and a 12 months-over-year raise of $41.9 million. in the three months ended December 31, 2016, the average stability of loans held for sale changed into $537.eight million, as in comparison to $617.5 million and $362.2 million, respectively, in the trailing and 12 months-previous three months. The sequential declines in loans held for sale were essentially driven by way of the fourth-quarter rise in residential personal loan pastime rates.


    The business has about $1.5 billion of loans in its latest pipeline, together with loans held for funding of approximately $1.2 billion.

    Asset excellent

    the following dialogue pertains simplest to the enterprise's portfolio of non-coated loans held for investment (except for purchased credit-impaired, or “PCI,” loans) and non-covered other precise property owned ("OREO").

    Non-performing non-covered assets represented $sixty eight.1 million, or 0.14%, of complete non-coated assets at the conclusion of this December, as in comparison to $60.9 million, representing 0.13%, at December 31, 2015. while non-covered OREO fell $2.5 million yr-over-12 months to $eleven.6 million, the improvement turned into exceeded by way of the affect of a $9.6 million upward push in non-performing non-covered loans to $fifty six.5 million, representing 0.15% of total non-covered loans at December 31, 2016. With the value of manhattan city taxi medallions declining, $13.three million of taxi medallion loans transitioned to non-accrual repute over the route of the yr.

    right here table gifts the business’s non-performing non-coated loans and property at December 31, 2016, September 30, 2016, and December 31, 2015:

    (in thousands)


    December 31,2016


    September 30,2016


    December 31,2015

    Non-Performing Non-covered property:       Non-accrual non-covered personal loan loans: Multi-family $ 13,558 $ 10,769 $ 13,904 industrial real property 9,297 10,628 14,920 One-to-4 household 9,679 9,790 12,259 Acquisition, building, and development   6,200   --   27 complete non-accrual non-lined mortgage loans $ 38,734 $ 31,187 $ 41,a hundred and ten other non-accrual non-covered loans (1)   17,735   12,214   5,715 total non-performing non-covered loans $ fifty six,469 $ forty three,401 $ 46,825 Non-coated different real estate owned   eleven,607   12,608   14,065 complete non-performing non-lined belongings $ 68,076 $ fifty six,009 $ 60,890 (1)   includes $15.2 million, $9.2 million, and $1.9 million, respectively, of non-accrual non-coated taxi medallion loans.

    in addition to the upward push in non-accrual taxi medallion loans already referred to, the sequential upward push in non-performing non-coated loans largely reflects the fourth-quarter 2016 transition of a $6.2 million ADC mortgage to non-accrual reputation from 30 to 89 days past due.

    right here table gifts the enterprise's asset nice measures at December 31, 2016, September 30, 2016, and December 31, 2015:

      December 31,


      September 30,



    December 31,2015

    Non-performing non-coated loans to complete  non-coated loans

      0.15 %   0.12 %   0.13 %

    Non-performing non-covered assets to complete  non-coated assets

    0.14 0.12 0.13

    Allowance for losses on non-coated loans to non-  performing non-lined loans (1)

    277.19 352.forty three 310.08

    Allowance for losses on non-covered loans to total  non-covered loans (1)

    0.forty two 0.41 0.41 (1)   Excludes the allowance for losses on PCI loans.  

    the following desk summarizes the company’s internet charge-offs (recoveries) for the three months ended December 31, 2016, September 30, 2016, and December 31, 2015 and for the twelve months ended December 31, 2016 and 2015:

      For the Three Months Ended   For the Twelve Months Ended Dec. 31,   Sept. 30,   Dec. 31, Dec. 31,   Dec. 31, (in heaps) 2016 2016 2015 2016 2015 can charge-offs:           Multi-family unit $ -- $ -- $ 81 $ -- $ 167 industrial precise property -- -- -- -- 273 One-to-4 family unit -- 17 299 170 875 Acquisition, development, and construction -- -- -- -- -- other (1)   2,258     fifty seven     885     3,413     1,273   complete can charge-offs $ 2,258   $ 74   $ 1,265   $ three,583   $ 2,588   Recoveries: Multi-family $ -- $ (seventy eight ) $ (229 ) $ (78 ) $ (three,952 ) industrial actual property (19 ) (33 ) (1,339 ) (799 ) (1,664 ) One-to-4 family (2 ) -- -- (228 ) (forty nine ) Acquisition, building, and construction -- -- -- (167 ) (100 ) other   (648 )   (375 )   (856 )   (1,604 )   (5,008 ) total recoveries $ (669 ) $ (486 ) $ (2,424 ) $ (2,876 ) $ (10,773 ) web can charge-offs (recoveries) $ 1,589   $ (412 ) $ (1,159 ) $ 707   $ (8,185 ) net cost-offs (recoveries) to normal loans (2)   0.00 %   (0.00 )%   (0.00 )%   0.00 %   (0.02 )% (1)   includes taxi medallion loans of $2.3 million, $2.5 million, and $33,000, respectively, in the three months ended December 31, 2016 and the twelve months ended December 31, 2016 and 2015. (2) The measures for the three months ended December 31, 2016, September 30, 2016, and December 31, 2015 are non-annualized.  

    here table gifts the enterprise’s non-lined loans 30 to 89 days overdue at December 31, 2016, September 30, 2016, and December 31, 2015:

    (in lots)


    December 31,2016


    September 30,2016


    December 31,2015

    Non-coated Loans 30 to 89 Days late:       Multi-family unit $ 28 $ 2,948 $ 4,818 industrial actual property -- -- 178 One-to-4 family unit 2,844 1,495 1,117 Acquisition, construction, and building -- 6,200 -- different   7,511   15,929   492 complete non-covered loans 30 to 89 days late $ 10,383 $ 26,572 $ 6,605  

    on the end of December 2016, the balance of other non-lined loans 30 to 89 days late included taxi medallion loans of $6.8 million; there have been no 30 to 89 day past-due taxi medallion loans on the prior yr-conclusion.


    generally reflecting securities calls that primarily happened in the first quarter, securities fell $2.4 billion yr-over-12 months to $three.eight billion, representing 7.8% of total property at December 31, 2016. while the balance of securities rose sequentially, the raise changed into modest, as a $60.9 million rise in securities held to maturity was largely offset by a $56.9 million reduction in securities obtainable for sale.

    Funding Sources

    Deposits rose $461.1 million 12 months-over-yr to $28.9 billion, representing fifty nine.0% of complete property at December 31, 2016. whereas the balance of mark downs money owed declined $2.3 billion yr-over-year to $5.3 billion, the have an effect on changed into passed via the combination of a $2.three billion enhance in certificates of deposit (“CDs”) to $7.6 billion, a $326.1 million upward thrust in NOW and money market accounts to $13.four billion, and a $131.6 million upward thrust in non-activity-bearing bills to $2.6 billion.

    On a linked-quarter foundation, deposits fell $251.7 million, as discount rates and non-activity-bearing debts respectively dropped $212.2 million and $293.three million, and as CDs and NOW and funds market accounts rose $193.4 million and $60.4 million, respectively.

    Borrowed funds fell $2.1 billion 12 months-over-12 months, to $13.7 billion, including a $328.four million lower in the three months ended December 31, 2016. Wholesale borrowings accounted for the majority of these rate reductions, and represented $13.3 billion, or 27.2%, of complete property at that date.

    Stockholders’ equity

    Stockholders’ fairness rose $189.three million year-over-year to $6.1 billion, representing 12.fifty two% of complete property and a publication price per share of $12.fifty seven at December 31, 2016. on the prior year-end, stockholders’ fairness totaled $5.9 billion, representing 11.seventy nine% of total belongings and a e-book price per share of $12.24.

    except for goodwill of $2.four billion and core deposit intangibles (“CDI”) of $208,000 from the respective balances of stockholders’ fairness and complete assets, tangible stockholders’ equity rose $191.7 million year-over-12 months to $three.7 billion, representing 7.ninety three% of actual property and a tangible book cost per share of $7.fifty seven at December 31, 2016. on the prior year-conclusion, and except for goodwill of $2.4 billion and CDI of $2.6 million from stockholders’ fairness and total belongings, tangible stockholders’ fairness totaled $three.5 billion, representing 7.30% of actual property and a tangible e-book value per share of $7.21.(1)

    additionally, the regulatory capital ratios for the enterprise and its subsidiary banks continued to exceed the regulatory necessities for “well capitalized” classification, as indicated within the desk determined on the ultimate page of this liberate.

    salary abstract FOR THE THREE MONTHS ENDED DECEMBER 31, 2016

    The company generated revenue of $113.7 million, or $0.23 per diluted share, in the present fourth quarter and $a hundred twenty five.3 million, or $0.26 per diluted share, in the trailing three months. in the fourth quarter of 2015, the company recorded a loss of $404.8 million or $0.87 per diluted share. The loss become recorded in connection with the repositioning of $10.four billion of wholesale borrowings over the course of that quarter, which resulted in a pre-tax debt repositioning can charge of $915.0 million, reminiscent of $546.eight million, or $1.17 per diluted share, after-tax. according to Accounting requisites Codification (“ASC”) No. 470-50, $773.8 million of the pre-tax can charge was recorded as hobby fee and the ultimate $141.2 million became recorded as non-pastime expense.

    covered within the company’s effects in the three months ended December 31, 2016, September 30, 2016, and December 31, 2015 had been merger-connected charges of $6.0 million, $2.four million, and $3.7 million, respectively.

    internet hobby income

    The business recorded internet hobby income of $315.5 million and $318.four million, respectively, within the three months ended December 31, 2016 and September 30, 2016, in distinction to a internet interest lack of $449.2 million in the three months ended December 31, 2015.

    Linked-Quarter evaluation

    the following factors contributed to the linked-quarter decline in web activity income:

  • interest profits declined modestly within the present fourth quarter, to $415.three million, as a $5.7 million reduce in the hobby profits generated through securities and funds market investments become largely tempered by way of a $5.0 million raise within the pastime profits generated by using loans.
  • interest profits from loans rose sequentially to $372.9 million, basically reflecting a $four.eight million increase in prepayment earnings to $18.2 million within the closing three months of the yr. additionally, the normal steadiness of loans rose $329.2 million sequentially to $39.7 billion, whereas the commonplace yield on such belongings rose two basis facets to 3.76%. Prepayment income contributed 18 basis points to the regular yield on loans in the latest fourth quarter, 4 greater than it contributed to the trailing-quarter yield.
  • activity income from securities and money market investments fell to $forty two.5 million, as the prepayment profits from securities fell $5.1 million to $3.eight million within the fourth quarter of 2016. moreover, while the ordinary stability of securities and cash market investments rose $eighty.0 million sequentially to $four.5 billion, the advantage become handed with the aid of the have an impact on of a 58-groundwork factor drop within the usual yield to 3.seventy five%. Prepayment revenue contributed 34 foundation aspects to the regular yield on securities and money market investments within the latest fourth quarter, a linked-quarter decrease of 46 basis points.
  • in consequence, the ordinary stability of pastime-earning belongings rose $409.1 million sequentially to $44.2 billion while the general yield on such assets fell four foundation aspects to three.76%.
  • pastime fee rose $2.2 million sequentially to $ninety nine.eight million, as a $1.three million raise in the pastime rate on hobby-bearing deposits mixed with a more modest enhance within the hobby price on borrowed cash.
  • peculiarly, the interest price on activity-bearing deposits rose to $45.1 million as the advantage of a $167.0 million decline in the usual steadiness, to $26.1 billion, turned into tempered through the affect of a 3-foundation element upward push within the typical can charge to 0.sixty nine%. The hobby fee on borrowed money, meanwhile, rose to $fifty four.7 million as a $185.7 million raise in the average balance to $14.0 billion mixed with a one-foundation aspect upward thrust within the commonplace can charge to 1.fifty six%.
  • consequently, the standard balance of activity-bearing liabilities rose a modest $18.7 million sequentially to $40.1 billion and the normal can charge of funds rose two basis elements to 0.ninety nine% in the fourth quarter of 2016.
  • year-Over-yr assessment

    The net activity loss recorded in the year-in the past fourth quarter became brought on by the debt repositioning charge incurred in connection with the prepayment of $10.4 billion of wholesale borrowings. The can charge contributed $773.eight million to the interest price on borrowed money in remaining 12 months’s fourth quarter and increased the regular cost of such money to 22.35%. Given the enormous have an effect on of the debt repositioning can charge on the enterprise’s fourth quarter 2015 hobby fee and web hobby earnings, right here discussion is restricted to a assessment of the hobby profits recorded within the current and yr-earlier fourth quarters, and to a comparison of the hobby expense from pastime-bearing deposits recorded all over these periods.

  • pastime income fell $9.2 million year-over-12 months because the advantage of an $eleven.eight million enhance within the interest revenue produced through loans turned into surpassed by way of the have an impact on of a $21.0 million decline in the pastime income produced by way of securities and funds market investments.
  • the rise in pastime profits from loans turned into generally because of the growth of the general steadiness, which rose $2.4 billion year-over-12 months. moreover, prepayment revenue contributed $883,000 extra to the interest revenue from loans in the latest fourth quarter and one groundwork point much less to the general yield. notwithstanding the level of common personal loan growth recorded, the regular yield on loans fell 12 groundwork aspects from the year-earlier level within the three months ended December 31, 2016.
  • The decline in activity profits from securities and funds market investments was essentially as a result of a $2.4 billion decline within the ordinary balance and, to a lesser extent, a $four.7 million decline in the contribution of prepayment profits from securities. The affect of those components changed into a little offset with the aid of a seven-foundation aspect upward thrust within the commonplace yield on such assets, despite a 15-groundwork element decline in the contribution of prepayment revenue 12 months-over-yr.
  • The pastime expense generated by means of activity-bearing deposits rose $5.9 million year-over-yr, because the normal stability of such money rose $196.8 million and the general can charge of such money rose 9 basis elements. while the average steadiness of savings accounts fell $2.three billion 12 months-over-year, contributing to a 15-groundwork aspect decline in the general charge of such deposits, the standard steadiness of CDs rose $2.1 billion, contributing to a seven-basis factor upward thrust in the usual charge of such cash. moreover, typical NOW and funds market accounts rose $312.1 million in the existing fourth quarter, accompanied by means of a 12-basis element upward push in the regular charge.
  • web activity Margin

    The course of the company’s web pastime margin mirrored that of its net pastime income in the fourth quarter of 2016. essentially reflecting the larger charge of activity-bearing deposits, the margin dropped 5 foundation elements linked-quarter to 2.86% within the final three months of the 12 months.

    in the fourth quarter of 2015, the enterprise’s margin turned into significantly impacted by means of the aforementioned debt repositioning cost, rendering a assessment with the current fourth quarter’s margin meaningless. consequently, right here table summarizes the contribution of prepayment profits from loans and securities to the enterprise’s hobby salary and web interest margin within the three months ended December 31, 2016 and September 30, 2016, and within the twelve months ended December 31, 2016:

      For the Three Months Ended   For the Twelve Months Ended   Dec. 31,       Sept. 30,   Dec. 31, (in hundreds) 2016 2016 2016 complete activity salary $ 415,348 $ 416,096 $ 1,674,869   Prepayment salary: From loans $ 18,243 $ 13,422 $ 60,891 From securities   three,814     8,947     33,509   total prepayment earnings $ 22,057   $ 22,369   $ 94,400    

    web activity margin (together with the contributionof prepayment revenue)

    2.86 % 2.91 % 2.93 % less: Contribution of prepayment profits to internet pastime margin: From loans 17 bps 12 bps 14 bps From securities   3     eight     8  

    total contribution of prepayment profits to netinterest margin

      20 bps   20 bps   22 bps

    Adjusted net interest margin (i.e., excludingthe contribution of prepayment income) (1)

    2.66 % 2.71 % 2.71 % (1)   “Adjusted net activity margin” is a non-GAAP financial measure as greater utterly mentioned beneath.

    whereas our net pastime margin, together with the contribution of prepayment earnings, is recorded based on GAAP, adjusted internet interest margin, which excludes the contribution of prepayment income, isn't. in spite of this, administration uses this non-GAAP measure in its analysis of our performance, and believes that this non-GAAP measure should still be disclosed in our profits releases and other investor communications for right here explanations:

  • Adjusted net pastime margin gives buyers a stronger knowing of the impact of prepayment profits on our internet interest margin. Prepayment income in any given duration is dependent upon the quantity of loans that refinance or prepay, or securities that prepay, all through that period. Such undertaking is basically elegant on such exterior factors as latest market conditions, together with real estate values, and the perceived or genuine course of market activity charges.
  • Adjusted net hobby margin is among the measures considered by current and potential buyers, each unbiased of, and in evaluation with, the enterprise’s friends.
  • Adjusted internet activity margin may still now not be considered in isolation or as an alternative to net pastime margin, which is calculated in accordance with GAAP. moreover, the manner by which we calculate this non-GAAP measure may additionally differ from that of different companies reporting a non-GAAP measure with an identical name.

    Provisions for (Recoveries of) mortgage Losses

    Provision for (restoration of) Losses on Non-covered Loans

    Reflecting administration’s evaluation of the adequacy of the allowance for non-lined personal loan losses, the enterprise recorded provisions for non-covered mortgage losses of $5.2 million and $1.2 million within the three months ended December 31, 2016 and September 30, 2016, respectively. In assessment, the company recovered $80,000 from the allowance for non-coated loan losses in the fourth quarter of 2015.

    restoration of Losses on coated Loans

    Reflecting a rise in the cash flows anticipated from certain pools of received loans lined through FDIC loss-sharing agreements, the business recovered $1.7 million, $1.3 million, and $6.2 million from the allowance for coated mortgage losses in the three months ended December 31, 2016, September 30, 2016, and December 31, 2015, respectively.

    The recoveries recorded in the respective quarters had been generally offset via FDIC indemnification price of $1.three million, $1.0 million, and $5.0 million recorded in “Non-activity revenue” in the respective durations.

    Non-pastime revenue

    in the fourth quarter of 2016, non-pastime salary fell $8.2 million and $26.7 million, respectively, to $32.4 million from the degrees recorded in the trailing and 12 months-previous three months. The linked-quarter decline became basically due to a $9.7 million reduce in mortgage banking revenue to $three.three million and a $2.8 million lower within the benefit on earnings of loans to $688,000. These linked-quarter rate reductions were best partly offset by way of a $2.7 million upward push in internet securities features to $2.9 million, a $1.5 million upward push in other non-hobby earnings to $10.eight million, and a $778,000 enhance in BOLI salary to $7.8 million.

    The better 12 months-over-12 months decline in non-pastime profits also stemmed from a mixture of components, together with a $three.7 million reduce in the benefit on income of loans; a $9.0 million decline in mortgage banking profits; and an $18.three million decline in other non-activity profits. protected in different non-activity profits within the 12 months-earlier fourth quarter became a $13.3 million gain on the sale of a bank-owned property. These year-over-yr savings were simplest a little bit offset by using a $three.7 million drop in FDIC indemnification rate to $1.3 million and an $861,000 boost in BOLI revenue.

    the following table summarizes our personal loan banking earnings for the three months ended December 31, 2016, September 30, 2016, and December 31, 2015 and the twelve months ended December 31, 2016 and 2015:

      For the Three Months Ended   For the Twelve Months Ended Dec. 31,   Sept. 30,   Dec. 31, Dec. 31,   Dec. 31, (in thousands) 2016 2016 2015 2016 2015 mortgage Banking income:             income from originations $ 6,901 $ 10,884 $ 5,917 $ forty one,592 $ 39,516 Servicing (loss) profits   (three,640 )   2,041   6,348   (14,311 )   14,597 complete mortgage banking profits $ 3,261   $ 12,925 $ 12,265 $ 27,281   $ 54,113  

    The influence of the fourth-quarter upward thrust in market activity charges on the company’s personal loan banking earnings is obvious within the preceding table. As charges rose, demand for residential loan loans weakened, resulting in a $4.0 million drop in profits from originations from the trailing-quarter quantity. at the equal time, the rise in market pastime rates adversely impacted the effectiveness of the company’s hedging, which resulted in its recording a $three.6 million servicing loss.

    Non-pastime cost

    Non-activity rate rose $8.9 million sequentially to $170.6 million in the three months ended December 31, 2016. within the year-past fourth quarter, the business recorded non-activity expense of $309.eight million, which protected $141.2 million of the aforementioned debt repositioning can charge. additionally, merger-related expenses represented $6.0 million, $2.four million, and $3.7 million of non-pastime price within the three months ended December 31, 2016, September 30, 2016, and December 31, 2015, respectively.

    the bulk of the enterprise’s non-hobby price contains operating charges, which totaled $164.2 million within the latest fourth quarter, as in comparison to $158.7 million and $163.7 million, respectively, within the trailing and year-prior three months. The linked-quarter increase was generally driven with the aid of a rise within the can charge of scientific merits. subsequently, compensation and merits fee rose $four.1 million sequentially to $ninety.2 million, while occupancy and machine rate rose a modest volume to $24.7 million, and normal and administrative (“G&A”) fee rose $1.0 million to $49.3 million. The latter enhance was primarily because of a rise in advertising prices, at the side of certain legal and skilled costs.

    The yr-over-year upward push in operating prices was modest when in comparison to the linked-quarter enhance, as a $1.1 million decline in G&A price mixed with a lesser decline in occupancy and device rate to cut back the have an effect on of a $2.0 million enhance in compensation and merits fee.

    profits Tax rate

    profits tax expense fell $12.0 million sequentially to $60.0 million in the three months ended December 31, 2016. apart from a $23.6 million decline in pre-tax earnings to $173.eight million, the reduction displays a lessen within the effective tax expense to 34.fifty five% from 36.52% within the trailing three months. The decline within the valuable tax fee reflects the deductibility of certain merger-related charges following the termination of the merger settlement with Astoria.

    within the fourth quarter of 2015, the business recorded an salary tax advantage of $288.eight million because of having recorded a pre-tax loss of $693.6 million in connection with the aforementioned debt repositioning.

    About manhattan neighborhood Bancorp, Inc.

    one of the greatest U.S. financial institution retaining agencies, with property of $48.9 billion, big apple community Bancorp, Inc. is a leading producer of multi-family unit loans on non-luxurious, rent-regulated residence buildings in ny metropolis, and the parent of big apple group financial institution and big apple industrial financial institution. With deposits of $28.9 billion and 255 branches in Metro ny, New Jersey, Florida, Ohio, and Arizona, the enterprise also ranks among the many greatest depositories in the united states.

    Reflecting its growth through a collection of acquisitions, the community financial institution currently operates via seven local divisions, each with a history of carrier and electricity: Queens County rate reductions financial institution, Roslyn discounts financial institution, Richmond County rate reductions financial institution, and Roosevelt discount rates financial institution in manhattan; backyard State community bank in New Jersey; Ohio mark downs bank in Ohio; and AmTrust financial institution in Florida and Arizona. in a similar fashion, ny business bank presently operates 18 of its 30 ny-primarily based branches under the divisional identify Atlantic financial institution. additional info in regards to the business and its financial institution subsidiaries is purchasable at www.myNYCB.com and www.NewYorkCommercialBank.com.

    submit-revenue free up conference name

    As previously introduced, the enterprise will host a conference name on Wednesday, January 25, 2017, at eight:30 a.m. (jap typical Time) to discuss its fourth quarter 2016 profits and strategies. The convention call may be accessed through dialing (877) 407-8293 (for domestic calls) or (201) 689-8349 (for overseas calls) and inquiring for “ny community Bancorp” or “NYCB”. A replay will be accessible about three hours following completion of the call via eleven:fifty nine p.m. on January 29, 2017 and might be accessed with the aid of calling (877) 660-6853 (home) or (201) 612-7415 (overseas) and offering here convention identification: 13651844. additionally, the conference call will be webcast at ir.myNYCB.com, and archived through 5:00 p.m. on February 22, 2017.

    Cautionary Statements involving forward-looking suggestions

    This revenue free up and the associated conference call may also consist of ahead‐looking statements via the company and our approved officers relating such matters as our desires, intentions, and expectations concerning revenues, salary, mortgage production, asset quality, capital degrees, and acquisitions, amongst different matters; our estimates of future fees and advantages of the movements we can also take; our assessments of possibly losses on loans; our assessments of pastime fee and other market dangers; and our capacity to achieve our financial and different strategic dreams.

    ahead‐looking statements are customarily recognized via such words as “trust,” “predict,” “expect,” “intend,” “outlook,” “estimate,” “forecast,” “challenge,” and other similar words and expressions, and are field to a large number of assumptions, hazards, and uncertainties, which alternate over time. additionally, forward‐searching statements speak most effective as of the date they're made; the business does not assume any responsibility, and doesn't undertake, to update our ahead‐looking statements. in addition, as a result of ahead‐looking statements are area to assumptions and uncertainties, specific outcomes or future movements might vary, perhaps materially, from those expected in our statements, and our future efficiency may vary materially from our historical outcomes.

    Our forward‐searching statements are field to here foremost risks and uncertainties: prevalent financial circumstances and traits, both nationally or locally; circumstances in the securities markets; adjustments in activity charges; changes in deposit flows, and within the demand for deposit, loan, and investment products and different economic capabilities; changes in actual estate values; changes within the fine or composition of our loan or investment portfolios; alterations in competitive pressures among financial associations or from non‐monetary institutions; our ability to achieve the essential shareholder and regulatory approvals of any acquisitions we may additionally suggest; our potential to efficiently integrate any assets, liabilities, clients, techniques, and administration personnel we might also acquire into our operations, and our potential to recognize connected income synergies and value savings inside expected time frames; changes in legislation, rules, and guidelines; and numerous different matters which, by their nature, are subject to enormous uncertainties and/or are past our handle.

    extra counsel concerning some of these factors is provided in the possibility elements portion of our form 10-okay for the year ended December 31, 2015 and in other SEC reports we file. Our forward‐searching statements may also be discipline to different hazards and uncertainties, including those we may focus on in this information release, on our conference name, during investor shows, or in our SEC filings, that are accessible on our website and on the SEC’s web page, www.sec.gov.

    - economic Statements and Highlights comply with -


    new york neighborhood BANCORP, INC.


          December 31, December 31, 2016 2015 (in hundreds, except share records) (unaudited) belongings cash and cash equivalents $ 557,850 $ 537,674 Securities: available-for-sale 104,281 204,255 Held-to-maturity   three,712,776     5,969,390   complete securities three,817,057 6,173,645 Loans held on the market 409,152 367,221 Non-covered mortgage loans held for funding: Multi-family 26,961,486 25,989,100 commercial actual estate 7,727,258 7,860,162 One-to-4 family 381,081 116,841 Acquisition, development, and development   380,522     311,479   complete non-coated loan loans held for investment 35,450,347 34,277,582 different non-covered loans: commercial and industrial 1,908,308 1,453,039 other loans   24,067     32,583   complete non-lined other loans held for funding   1,932,375     1,485,622   total non-lined loans held for funding 37,382,722 35,763,204 much less: Allowance for losses on non-covered loans   (158,290 )   (147,124 ) Non-covered loans held for funding, net 37,224,432 35,616,080 coated loans 1,698,133 2,060,089 less: Allowance for losses on coated loans   (23,701 )   (31,395 ) covered loans, net   1,674,432     2,028,694   complete loans, net 39,308,016 38,011,995 Federal home mortgage financial institution stock, at can charge 590,934 663,971 Premises and device, internet 373,675 322,307 FDIC loss share receivable 243,686 314,915 Goodwill 2,436,131 2,436,131 Core deposit intangibles, net 208 2,599

    different assets (comprises $16,990 and $25,817, respectively, of alternative true estate ownedcovered by loss sharing agreements)


      1,598,998     1,854,559   complete assets $ 48,926,555   $ 50,317,796     Liabilities and Stockholders’ equity Deposits: NOW and cash market bills $ 13,395,080 $ 13,069,019 rate reductions accounts 5,280,374 7,541,566 Certificates of deposit 7,577,170 5,312,487 Non-activity-bearing money owed   2,635,279     2,503,686   total deposits   28,887,903     28,426,758   Borrowed dollars: Wholesale borrowings 13,314,500 15,389,800 Junior subordinated debentures   358,879     358,605   total borrowed dollars 13,673,379 15,748,405 different liabilities   241,282     207,937   total liabilities   42,802,564     forty four,383,one hundred   Stockholders’ equity: preferred inventory at par $0.01 (5,000,000 shares approved; none issued) -- --

    ordinary inventory at par $0.01 (900,000,000 shares approved; 487,067,889 and 484,968,024 shares issued; and 487,056,676 and 484,943,308 shares spectacular, respectively)


    four,871 4,850 Paid-in capital in extra of par 6,047,558 6,023,882 Retained earnings (amassed deficit) 128,435 (36,568 ) Treasury stock, at charge (11,213 and 24,716 shares, respectively) (a hundred and sixty ) (447 ) gathered different complete loss, net of tax: web unrealized (loss) gain on securities obtainable on the market, net of tax (753 ) 3,031

    net unrealized loss on the non-credit score element of other-than-transient impairment losses, net of tax


    (5,241 ) (5,318 ) Pension and post-retirement duties, internet of tax   (50,719 )   (54,734 ) total gathered different complete loss, internet of tax   (56,713 )   (fifty seven,021 ) complete stockholders’ fairness   6,123,991     5,934,696   complete liabilities and stockholders’ equity $ 48,926,555   $ 50,317,796    

    big apple group BANCORP, INC.


    (in thousands, apart from per share facts)


        For the Three Months Ended For the Twelve Months Ended Dec. 31,   Sept. 30,   Dec. 31, Dec. 31,   Dec. 31, 2016 2016 2015 2016 2015 activity salary:           loan and different loans $ 372,883 $ 367,932 $ 361,043 $ 1,472,020 $ 1,441,462 Securities and cash market investments   42,465     48,164     sixty three,458   202,849     250,122   total hobby revenue   415,348     416,096     424,501   1,674,869     1,691,584     interest rate: NOW and money market bills 16,395 15,866 eleven,918 62,166 46,467 discounts accounts 6,981 7,439 12,779 31,982 50,776 Certificates of deposit 21,746 20,501 14,522 seventy six,875 62,906 Borrowed dollars 54,706 53,867 60,728 216,464 349,604 Borrowed funds (debt repositioning charge)   --     --     773,756     --     773,756   complete hobby expense   99,828     ninety seven,673     873,703     387,487     1,283,509   web interest profits (loss) 315,520 318,423 (449,202 ) 1,287,382 408,075

    Provision for (recovery of) losses on non-coated loans

    5,a hundred seventy five 1,234 (eighty ) eleven,874 (three,334 )

    healing of losses on covered loans

      (1,659 )   (1,289 )   (6,237 )   (7,694 )   (11,670 )

    net pastime income (loss) after provisionfor (restoration of) personal loan losses

      312,004     318,478     (442,885 )   1,283,202     423,079     Non-hobby salary: mortgage banking salary three,261 12,925 12,265 27,281 54,113 price profits eight,185 eight,640 8,121 32,665 34,058 bank-owned lifestyles coverage 7,807 7,029 6,946 31,015 27,541 net gain on income of loans 688 three,465 four,417 15,806 26,133 web benefit on income of securities 2,934 237 three,111 3,347 four,054 FDIC indemnification rate (1,327 ) (1,031 ) (four,989 ) (6,a hundred and fifty five ) (9,336 ) different income   10,826     9,330     29,170     forty one,613     74,200   total non-interest salary   32,374     forty,595     fifty nine,041     a hundred forty five,572     210,763     Non-activity rate: operating prices: Compensation and benefits 90,206 86,079 88,171 351,436 342,624 Occupancy and device 24,706 24,347 25,219 98,543 102,435 standard and administrative   forty nine,290     48,285     50,345     188,130     170,541   complete working costs 164,202 158,711 163,735 638,109 615,600 Amortization of core deposit intangibles 397 542 1,one hundred thirty five 2,391 5,344 Debt repositioning can charge -- -- 141,209 -- 141,209 Merger-linked charges   6,003     2,432     three,702     eleven,146     3,702   total non-hobby expense   a hundred and seventy,602     161,685     309,781     651,646     765,855   earnings (loss) earlier than salary taxes 173,776 197,388 (693,625 ) 777,128 (132,013 ) earnings tax fee (improvement)   60,043     72,089     (288,818 )   281,727     (84,857 ) net income (Loss) $ 113,733   $ a hundred twenty five,299   $ (404,807 ) $ 495,401   $ (forty seven,156 )   simple income (loss) per share $0.23   $0.26   $(0.87 ) $1.01   $(0.11 ) Diluted revenue (loss) per share $0.23   $0.26   $(0.87 ) $1.01   $(0.11 )    

    ny community BANCORP, INC.



    while stockholders’ equity, total property, and ebook price per share are monetary measures that are recorded in response to U.S. often authorised accounting ideas (“GAAP”), tangible stockholders’ equity, tangible property, and tangible booklet cost per share aren't. even so, it is administration’s belief that these non-GAAP measures should be disclosed in our salary releases and different investor communications for here factors:

          1. Tangible stockholders’ equity is a vital indication of the enterprise’s capability to grow organically and through enterprise combos, in addition to its capacity to pay dividends and to engage in numerous capital management recommendations.   2. Returns on common tangible assets and normal tangible stockholders’ fairness are among the many profitability measures regarded by using present and potential traders, each independent of, and in evaluation with, the enterprise’s friends.   3. Tangible e-book value per share and the ratio of exact stockholders’ equity to tangible property are among the capital measures considered by way of existing and potential investors, both impartial of, and in comparison with, its peers.  

    Tangible stockholders’ fairness, tangible assets, and the linked non-GAAP profitability and capital measures should still now not be considered in isolation or as an alternative choice to stockholders’ equity, complete belongings, or another profitability or capital measure calculated according to GAAP. moreover, the manner through which we calculate these non-GAAP measures may additionally differ from that of alternative groups reporting non-GAAP measures with equivalent names.

    the following table items reconciliations of our stockholders’ fairness and tangible stockholders’ equity, our complete property and tangible belongings, and the related GAAP and non-GAAP profitability and capital measures at or for the three months ended December 31, 2016, September 30, 2016, and December 31, 2015 and the twelve months ended December 31, 2016 and 2015:

        At or for the

    Three Months Ended

        At or for the

    Twelve Months Ended

    Dec. 31,     Sept. 30,     Dec. 31, Dec. 31,     Dec. 31, (greenbacks in lots) 2016 2016 2015 2016 2015 complete Stockholders’ fairness $ 6,123,991 $ 6,090,512 $ 5,934,696 $ 6,123,991 $ 5,934,696 less: Goodwill (2,436,131 ) (2,436,131 ) (2,436,131 ) (2,436,131 ) (2,436,131 )

    Core deposit intangibles ("CDI")

      (208 )   (605 )   (2,599 )   (208 )   (2,599 ) Tangible stockholders’ fairness $ three,687,652 $ 3,653,776 $ three,495,966 $ 3,687,652 $ three,495,966   complete assets $ forty eight,926,555 $ 49,462,620 $ 50,317,796 $ forty eight,926,555 $ 50,317,796 less: Goodwill (2,436,131 ) (2,436,131 ) (2,436,131 ) (2,436,131 ) (2,436,131 )


      (208 )   (605 )   (2,599 )   (208 )   (2,599 ) Tangible assets $ forty six,490,216 $ 47,025,884 $ 47,879,066 $ forty six,490,216 $ 47,879,066   usual Stockholders’ equity $ 6,123,550 $ 6,081,003 $ 5,819,461 $ 6,052,051 $ 5,813,636

    much less: commonplace goodwill and CDI

      (2,436,559 )   (2,437,092 )   (2,439,433 )   (2,437,433 )   (2,441,406 ) normal tangible stockholders’ fairness $ three,686,991 $ three,643,911 $ three,380,028 $ three,614,618 $ 3,372,230   standard property $ 49,388,513 $ 49,159,171 $ forty nine,403,650 $ forty nine,299,601 $ forty eight,870,205

    less: average goodwill and CDI

      (2,436,559 )   (2,437,092 )   (2,439,433 )   (2,437,433 )   (2,441,406 ) normal tangible assets $ forty six,951,954 $ 46,722,079 $ 46,964,217 $ 46,862,168 $ 46,428,799   web earnings (Loss) (1) $ 113,733 $ one hundred twenty five,299 $ (404,807 ) $ 495,401 $ (forty seven,156 )

    Add returned: Amortization of CDI,                 net of tax

      238     325     681     1,435   3,206 Adjusted net income (loss) (2) $ 113,971 $ one hundred twenty five,624 $ (404,126 ) $ 496,836 $ (forty three,950 )   GAAP MEASURES:

    Return on common belongings (3)

    0.ninety two % 1.02 % (3.28 )% 1.00 % (0.10 )%

    Return on standard stockholders’ equity (3)

    7.43 eight.24 (27.eighty two ) 8.19 (0.eighty one ) ebook cost per share $12.57 $12.50 $12.24 $12.fifty seven $12.24 Stockholders’ equity to complete belongings 12.fifty two % 12.31 % 11.seventy nine % 12.fifty two eleven.seventy nine % Non-GAAP MEASURES:

    Return on general tangible property (3)

    0.97 % 1.08 %



    1.06 %



    Return on ordinary tangible stockholders’ equity (3)

    12.36 13.79

    (47.eighty three


    13.seventy five



    Tangible ebook cost per share $7.fifty seven $7.50 $7.21 $7.57 $7.21 Tangible stockholders’ equity to tangible belongings 7.ninety three % 7.seventy seven % 7.30 % 7.ninety three % 7.30 % (1)   To calculate our returns on common belongings and average stockholders’ fairness for a duration, we divide the net profits generated all over that period via the common property and the commonplace stockholders’ equity recorded all through that time. (2)

    To calculate our returns on normal tangible property and usual tangible stockholders’ equity for a length, we alter the internet income generated throughout that period through adding back the amortization of CDI, internet of tax, after which divide that adjusted internet income by means of the usual tangible assets and the average tangible stockholders’ fairness recorded all the way through that point.


    The measures for the three and twelve months ended December 31, 2015 replicate the influence of the $546.8 million after-tax debt repositioning can charge.


    big apple neighborhood BANCORP, INC.

    web activity income analysis



        For the Three Months Ended December 31, 2016     September 30, 2016     December 31, 2015 (1)         normal         regular       normal general Yield/ standard Yield/ normal Yield/ (greenbacks in lots) steadiness activity cost steadiness pastime can charge steadiness interest charge belongings: interest-incomes property: loan and other loans, net $ 39,666,550 $ 372,883 three.seventy six % $ 39,337,380 $ 367,932 three.seventy four % $ 37,240,361 $ 361,043 three.88 % Securities and cash market investments   four,515,294   42,465 3.seventy five     4,435,332   48,164 4.33     6,871,407   sixty three,458   3.sixty eight     complete hobby-earning belongings 44,181,844 415,348 three.76 forty three,772,712 416,096 three.eighty 44,111,768 424,501 3.85 Non-activity-incomes assets   5,206,669   5,386,459   5,291,882 complete belongings $ forty nine,388,513 $ 49,159,171 $ 49,403,650 Liabilities and Stockholders’ fairness: interest-bearing deposits: NOW and funds market accounts $ 13,242,362 $ 16,395 0.49 % $ 13,356,174 $ 15,866 0.47 % $ 12,930,306 $ 11,918 0.37 % rate reductions accounts 5,327,346 6,981 0.52 5,629,a hundred thirty five 7,439 0.53 7,579,895 12,779 0.sixty seven Certificates of deposit   7,493,925   21,746 1.15     7,245,325   20,501 1.13     5,356,629   14,522   1.08     complete activity-bearing deposits 26,063,633 forty five,122 0.69 26,230,634 forty three,806 0.66 25,866,830 39,219 0.60 Borrowed dollars   13,988,313   54,706 1.fifty six     13,802,662   fifty three,867 1.55     14,813,371   834,484   22.35     complete interest-bearing liabilities 40,051,946 99,828 0.ninety nine 40,033,296 97,673 0.97 40,680,201 873,703 eight.52 Non-pastime-bearing deposits 2,990,053 2,832,569 2,740,355 other liabilities   222,964   212,303   163,633 complete liabilities forty three,264,963 forty three,078,168 forty three,584,189 Stockholders’ equity   6,123,550   6,081,003   5,819,461 complete liabilities and stockholders’ fairness $ 49,388,513 $ forty nine,159,171 $ 49,403,650 internet interest salary(loss)/hobby expense spread $ 315,520 2.seventy seven % $ 318,423 2.83 % $ (449,202 ) (4.sixty seven ) %(2) internet pastime margin 2.86 % 2.91 % (4.01 ) %(2)

    Ratio of interest-earning property to interest-  bearing liabilities

    1.10 x 1.09 x 1.08   x (1)   within the three months ended December 31, 2015, right here line objects replicate the influence of the $773.eight million debt repositioning cost: interest cost on and value of borrowed money; hobby fee on and cost of total hobby-bearing liabilities; net pastime salary; net activity expense unfold; and internet hobby margin. (2) within the three months ended December 31, 2015, the company’s internet activity fee spread and net activity margin had been reduced by using 754 and 696 basis facets, respectively, because of the impact of the fourth-quarter 2015 debt repositioning cost.  

    manhattan group BANCORP, INC.

    internet activity profits analysis

    yr-OVER-yr comparison


        For the Twelve Months Ended December 31, 2016    

    2015 (1)

          common         standard commonplace Yield/ typical Yield/ (greenbacks in heaps) stability hobby cost steadiness interest can charge belongings: interest-incomes assets: personal loan and other loans, net $ 39,076,298 $ 1,472,020 three.seventy seven % $ 36,343,407 $ 1,441,462 3.ninety seven % Securities and cash market investments   4,934,058   202,849 four.11     7,278,562   250,122 3.44   total interest-incomes assets 44,010,356 1,674,869 3.81 43,621,969 1,691,584 3.88 Non-pastime-earning property   5,289,245   5,248,236 total assets $ 49,299,601 $ 48,870,205 Liabilities and Stockholders’ equity: hobby-bearing deposits: NOW and money market bills $ 13,322,346 $ sixty two,166 0.forty seven % $ 12,674,236 $ 46,467 0.37 % mark downs bills 5,915,020 31,982 0.54 7,546,417 50,776 0.sixty seven Certificates of deposit   6,899,706   seventy six,875 1.eleven     5,698,437   sixty two,906 1.10   complete pastime-bearing deposits 26,137,072 171,023 0.65 25,919,090 a hundred and sixty,149 0.62 Borrowed cash   14,059,543   216,464 1.fifty four     14,275,818   1,123,360 7.87   total interest-bearing liabilities 40,196,615 387,487 0.96 40,194,908 1,283,509 3.19 Non-pastime-bearing deposits 2,860,532 2,660,220 other liabilities   one hundred ninety,403   201,441 complete liabilities forty three,247,550 forty three,056,569 Stockholders’ fairness   6,052,051   5,813,636 total liabilities and stockholders’ equity $ 49,299,601 $ 48,870,205 web hobby revenue/hobby rate unfold $ 1,287,382 2.eighty five % $ 408,075 0.69 %(2)   web pastime margin 2.93 % 0.ninety four %(2)  

    Ratio of activity-incomes assets to activity-bearing liabilities

    1.09 x 1.09 x (1)   For the twelve months ended December 31, 2015, right here line items reflect the have an effect on of the $773.8 million debt repositioning cost recorded within the fourth quarter of that yr: hobby fee on and cost of borrowed cash; interest fee on and price of total activity-bearing liabilities; web pastime earnings; net activity cost spread; and internet hobby margin. (2) within the twelve months ended December 31, 2015, the company’s internet hobby expense spread and internet activity margin had been decreased by 192 and 177 foundation features, respectively, as a result of the have an impact on of the fourth-quarter 2015 debt repositioning cost.  

    ny group BANCORP, INC.



            For the Three Months Ended For the Twelve Months Ended Dec. 31,     Sept. 30,     Dec. 31, Dec. 31,     Dec. 31, (greenbacks in heaps except share and per share data) 2016 2016

    2015 (1)


    2015 (1)

    PROFITABILITY MEASURES: web revenue (loss) $113,733 $one hundred twenty five,299 $(404,807 ) $495,401 $(forty seven,156 ) primary income (loss) per share   0.23   0.26   (0.87 )   1.01   (0.11 ) Diluted earnings (loss) per share 0.23 0.26 (0.87 ) 1.01 (0.11 ) Return on typical property 0.ninety two % 1.02 % (three.28 )% 1.00 % (0.10 )% Return on normal tangible belongings (2) 0.ninety seven 1.08 (3.44 ) 1.06 (0.09 ) Return on average stockholders’ fairness 7.43 eight.24 (27.82 ) 8.19 (0.eighty one ) Return on general tangible stockholders’ equity (2) 12.36 13.seventy nine (forty seven.eighty three ) 13.75 (1.30 ) effectivity ratio (three) forty seven.20 forty four.21 (forty one.ninety seven ) 44.53 ninety nine.forty eight operating charges to regular belongings 1.33 1.29 1.33 1.29 1.26 web hobby rate spread 2.77 2.83 (4.67 ) 2.85 0.sixty nine internet activity margin 2.86 2.91 (four.01 ) 2.ninety three 0.ninety four constructive tax rate 34.55 36.fifty two 41.64 36.25 sixty four.28 Shares used for simple EPS computation 485,337,734 485,352,998 468,289,624 485,one hundred fifty,173 448,982,223 Shares used for diluted EPS computation 485,337,734 485,352,998 468,289,624 485,one hundred fifty,173 448,982,223 Shares impressive at the respective period-ends 487,056,676 487,066,151 484,943,308 487,056,676 484,943,308 (1)   apart from the ratio of operating fees to regular property, the measures recorded within the three and twelve months ended December 31, 2015 reflect the influence of a fourth-quarter 2015 debt repositioning cost of $915.0 million, which become equivalent to $546.eight million after-tax. according to Accounting requisites Codification No. 470-50, $773.8 million of the pre-tax can charge was recorded as hobby price and $141.2 million became recorded as non-pastime expense. (2) Please see the reconciliations of those non-GAAP measures with the comparable GAAP measures on web page 13 of this liberate. (3) We calculate our effectivity ratio through dividing our operating charges via the sum of our web interest income and non-interest income.             Dec. 31,


    Sept. 30,


    Dec. 31,


    CAPITAL MEASURES: e-book cost per share $ 12.57 $ 12.50 $ 12.24 Tangible e-book price per share (1) 7.57 7.50 7.21 Stockholders’ equity to complete assets 12.52 % 12.31 % eleven.79 % Tangible stockholders’ fairness to tangible belongings (1) 7.ninety three 7.seventy seven 7.30 (1)   Please see the reconciliations of those non-GAAP measures with the comparable GAAP measures on page 13 of this free up.       Dec. 31,


        Sept. 30,


        Dec. 31,


    REGULATORY CAPITAL RATIOS: (1) ny neighborhood Bancorp, Inc. common equity tier 1 ratio 10.70 % 10.25 % 9.95 % Tier 1 possibility-primarily based capital ratio 10.70 10.25 10.19 complete risk-based mostly capital ratio 12.21 eleven.seventy two 11.forty three Leverage capital ratio 8.00 7.ninety five 7.seventy seven ny neighborhood bank standard fairness tier 1 ratio 11.26 % 10.eighty three % 10.forty seven % Tier 1 risk-primarily based capital ratio eleven.26 10.83 10.47 total possibility-primarily based capital ratio 11.74 11.31 10.98 Leverage capital ratio eight.forty five 8.forty three 8.05 manhattan business financial institution common fairness tier 1 ratio 13.98 % 13.31 % 13.43 % Tier 1 risk-based capital ratio 13.98 13.31 13.43 total chance-based capital ratio 14.ninety eight 14.19 13.ninety eight Leverage capital ratio 10.fifty three 10.26 10.01 (1)   The minimum regulatory necessities for classification as a well-capitalized institution are a typical fairness tier 1 capital ratio of 6.50%; a tier 1 chance-primarily based capital ratio of 8.00%; a total chance-based capital ratio of 10.00%; and a leverage capital ratio of 5.00%.

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