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Anhd Reinvestment Index and Distribution of Key

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Anhd Reinvestment Index and Distribution of Key COMMERCIAL BANKS SAVINGS BANKS WHOLESALE BANKS ANHD REINVESTMENT INDEX AND DISTRIBUTION JPMorgan Chase Citibank Bank of America HSBC Capital One Wells Fargo Sovereign / Santander NY Community Bank Astoria Apple Bank of NY Mellon* Goldman Sachs OF KEY ACTIVITIES BY BANK The 23 largest banks in New York City hold over $590 billion in depos- its and collectively devote only 1.35% of these deposits to lending and investments that benefit low- and moderate-income (LMI) New Yorkers. ANHD developed the Reinvestment Index to capture the percentage of local deposits each bank devoted to key reinvestment activities in NYC. Deposits: Deposits: Deposits: Deposits: Deposits: Deposits: The index includes (1) Community Development Lending, (2) CRA- Deposits: Deposits: Deposits: Deposits: Deposits: Deposits: 4.20% $11.6b $7.6b $5.1b 24.53% $4.3b $66b $32.3b Qualified Investments, and (3) CRA-eligible grants. For Commercial $256b $48.9b $43b $39.4b $17.8b $4b and Savings Banks, it also factors in (1) Multifamily lending in LMI 2.35% 2.28% 1.36% tracts, (2) Home purchase lending to LMI borrowers, and (3) Small 0.88% 1.19% 0.80% business lending in LMI tracts. The average reinvestment index among 0.36% 0.15% 0.75% 0.65% all banks is 3.1%, and when the highest and lowest percentages are re- Reinvestment Reinvestment Reinvestment Reinvestment Reinvestment Reinvestment Reinvestment Reinvestment Reinvestment Reinvestment Reinvestment Reinvestment moved, the average drops to 2.2%. Index Index Index Index Index Index Index Index Index Index Index Index The pie charts graphically represent each bank's distribution of these key reinvestment activities. The Reinvestment Index and NYC deposits are shown below each chart. The banks are gathered by their classifi- TD Bank Signature* M&T Banco Popular Valley National* Emigrant* Ridgewood* Dime* Carver Deutsche Morgan Stanley cation (Commercial, Savings, and Wholesale) and listed in order of local deposit base. Pie Chart Key CRA-qualified investments CRA-eligible grants Community development lending Multifamily lending in LMI tracts 4.02% Deposits: Deposits: Deposits: Deposits: Deposits: Deposits: Deposits: Deposits: 10.87% $1.7b Deposits: Deposits: Deposits: $2b $1.9b 1.57% $2.5b Home purchase lending to LMI borrowers $10.4b $6b $3.1b $1.9b $0.5b 2.22% $17.8b 1.30% 7.80% $6.5b 1.21% 0.87% 0.90% Small business loans in LMI tracts 0.18% 0.35% Reinvestment Reinvestment Reinvestment Reinvestment Reinvestment Reinvestment Reinvestment Reinvestment Reinvestment Reinvestment Reinvestment Index Index Index Index Index Index Index Index Index Index Index * Indicates incomplete data for the bank COMMERCIAL BANKS SAVINGS BANKS WHOLESALE BANKS TOTALS Sovereign/ New York Astoria Federal Apple Bank Ridgewood Dime Savings Bank Emigrant Savings Carver Federal Bank of New York Morgan JPMorgan Chase Bank of America Citibank Wells Fargo HSBC TD Bank Capital One M&T Bank Valley National Signature Banco Popular Santander Community Bank Savings for Savings Savings of Williamsburgh Bank Savings Mellon Goldman Sachs Deutsche Bank Stanley (percentages are averaged) % % % % % % % % % % % % % % % % % % % % % % % change change change change change change change change change change change change change change change change change change change change change change change 2010 2009-10 2010 2009-10 2010 2009-10 2010 2009-10 2010 2009-10 2010 2009-10 2010 2009-10 2010 2009-10 2010 2009-10 2010 2009-10 2010 2009-10 2010 2009-10 2010 2009-10 2010 2009-10 2010 2009-10 2010 2009-10 2010 2009-10 2010 2009-10 2010 2009-10 2010 2009-10 2010 2009-10 2010 2009-10 2010 2009 2010 2009-10 DEPOSITS & TIER 1 CAPITAL (billions) DEPOSITS & TIER 1 CAPITAL (billions) Tier 1 Capital $92.00 -4.2% $125.00 11.7% $104.61 9% $90.28 8.1% $14.97 12.1% $11.70 27.2% $9.06 7.6% $6.05 10% $1.09 8.5% $0.96 14.6% $1.16 52.5% $7.70 48.1% $3.50 3.9% $1.40 $0.67 5.4% $0.56 5.3% $0.05 -30.4% $13.60 23.60% $18.60 8.48% $8.61 -6.70% $0.91 $473.66 $510.17 7.71% Tier 1 Capital Total Deposits NYC $256.00 7.10% $43.00 22.9% $48.91 4.7% $11.58 247.6% $39.37 7% $10.40 13% $17.80 11.3% $1.96 -21.6% $1.70 21.4% $6.00 50.1% $1.94 -11.6% $7.60 5.6% $5.06 -1% $4.30 -8.5% $4.00 1% $2.48 4.6% $1.91 4.49% $3.09 -2% $0.48 -17.2% $66.00 32.00% $32.31 -1.20% $17.75 19.90% $6.53 $522.53 $583.65 11.7% Total Deposits NYC HOW WELL ARE BRANCHES BRANCHES Total NYC Branches 384 -3% 114 -0.9% 136 0.7% 22 -15.4% 117 -0.8% 84 13.5% 149 0% 12 -7.7% 29 16% 16 14.3% 31 -3.1% 71 -1.4% 85 -2.3% 29 0% 34 0% 25 -3.8% 18 0% 22 0% 9 12.5% 1393 1387 -0.43% Total NYC Branches % in LMI Census Tracts 29.9% -1.2% 35.1% 6.3% 30.1% 1.7% 9.1% 18.2% 26.5% 0.9% 19% -6% 29.5% 7.3% 16.7% 8.3% 17.2% 7.8% 12.5% 64.5% -6.2% 18.3% 9.9% 20% 2.4% 37.9% 0% 55.9% 0% 28% 4% 66.67% 0% 50% 77.8% 3.7% 33.73% 34.51% 2.3% % in LMI Census Tracts Rank: % in LMI Census Tracts 4 2 3 11 6 7 5 9 8 10 1 8 7 5 3 6 2 4 1 Rank: % in LMI Census Tracts NYC’S BANKS % in LI Census Tracts 8.9% -10.1% 11.4% 7.35% -0.7% 0% -100% 3.6% -11.9% 6% 28.6% 8.3% 8.3% 6.9% 72.4% 6.3% 32.3% 3.2% 1.4% 1.4% 1.2% 2.4% 0% 0% 20.6% 16.7% 0% 0% 22.22% 0% 22.73% 22.2% -64.4% 11.85% 9.39% -20.7% % in LI Census Tracts Rank: % in LI Census Tracts 3 2 5 10 9 8 4 6 7 1 5 6 7 4 7 2 1 2 Rank: % in LI Census Tracts COMMUNITY DEVELOPMENT STAFFING CD STAFFING SERVING OUR Total Staff Serving NYC 86 -4.4% 41 192.9% 31 287.5% 7 16.7% 4 -33.3% 4 100% 32 39.1% 3 200% 1 0.0% 6 100% 3 33 0% 1 from 0 1 0% 7 16.7% 8 0% 6 50% 24 33.33% 6 20% 3 229 301 31.4% Total Staff Serving NYC % Staff located in NYC 74.42% 4.4% 51.22% -40.2% 96.77% -3.2% 85.71% -14.3% 100% 0% 50% 0% 68.75% -31.3% 100% 0% 100% 0.0% 83.33% -16.7% 100% 36.36% -7.7% 0% 0% 100% 0% 100% 0% 100% 0% 83.33% 11.1% 100% 0% 100% 0% 100% 84.51% 79.44% -6% % Staff located in NYC Rank: % Staff located in NYC 7 9 4 5 1 10 8 1 1 6 1 5 6 1 1 1 4 1 1 1 Rank: % Staff located in NYC COMMUNITIES? COMMUNITY DEVELOPMENT LENDING (millions) CD LENDING (millions) # Loans 108 13.7% 18 -21.7% 72 63.6% 5 from 0 47 27% 4 from 0 19 90% 12 50% 8 100% 150 16 0% 2 -50% 25 19% 1 -80% 11 175% 11 23 -41.0% 17 183.33% 25 92.3% 2 329 413 25.5% # Loans Amount Loaned $637.00 5.3% $79.30 17.3% $1,035.00 1422.1% $19.82 from 0 $142.70 -12.6% $9.10 from 0 $126.70 -15.5% $56.69 81.7% $19.00 13.1% $280.30 $13.76 -31.6% $1.60 -70.9% $112.94 -21.9% $0.05 -99.7% $26.20 125.9% $9.20 $4.41 -75.4% $206.00 30.4% $258.59 212.68% $47.30 -23.8% $28.00 $1,618.85 $2,796.16 72.7% Amount Loaned Banks in New York City continued to expand their deposit base and Lending as % of Deposits 0.24% -1.73% 0.18% -4.52% 2.12% 1353.37% 0.17% from 0 0.36% -18.32% 0.088% from 0 0.71% -24.08% 2.89% 131.75% 1.12% -6.86% 4.67% 0.71% -22.54% 0.021% -72.44% 2.23% -21.09% 0.001% -99.63% 0.66% 123.6% 0.37% 0.91% -70.22% 0.31% -1.23% 0.8% 216.49% 0.27% -36.45% 0.43% 0.72% 0.77% 7% Lending as % of Deposits profits this year. After two years of steady declines, bank reinvestment Rank of Lending as % of Deposits 8 9 3 10 7 11 5 2 4 1 6 5 1 6 3 4 2 3 1 4 2 Rank of Lending as % of Deposits Amount Loaned to Nonprofits (NFP) $182.00 -32.1% $62.00 134.8% $11.41 -77.7% $19.82 from 0 $12.35 $9.10 from 0 $63.40 121.9% $8.50 57.4% $6.31 16.8% $1.60 -54.3% $0.00 -100% $0.24 -90.8% $1.00 $3.15 -51.5% $155.86 238.83% $28.30 -54.4% $28.00 $520.19 $551.70 6.1% Amount Loaned to Nonprofits (NFP) lending and investments increased in most categories in 2010, but the in- % Loaned to NFPs ($) 28.57% -55% 78.18% 100.2% 1.1% -98.5% 100.00% from 0 8.65% 100.00% from 0 50.04% 162.7% 14.99% -13.4% 45.85% 70.7% 100% 57.1% 0% -100% 0.92% -95.9% 10.87% 71.40% 96.6% 60.27% 8.36% 59.83% -40.2% 100% 42.85% 50.8% 18.6% % Loaned to NFPs ($) creases are not uniform and still lag in lower-income communities and to Rank % Loaned NFPs ($) 6 3 9 1 8 1 4 7 5 1 5 4 3 2 2 3 1 Rank % Loaned NFPs ($) nonprofits.
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