Brooklyn, NY · Charter 12072
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 2006, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Brooklyn, NY · Charter 12072
Q3 2006
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.56% | -10.92% | -6.39% | -4.83% | -6.39% | -1.37% | -3.94% | -1.54% | +328 bps | |
| Return on Equity | -9.91% | -24.40% | -14.50% | -10.32% | -14.25% | -3.08% | -8.90% | -3.29% | +702 bps | |
| Net Interest Margin | 0.93% | 3.08% | 3.16% | 3.43% | 2.51% | 3.81% | 3.91% | 4.25% | +82 bps | |
| Efficiency Ratio | 584% | 454% | 302% | 241% | 355% | 136.02% | 201% | 136.34% | -10,439 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.25% | -6.92% | -3.54% | -8.97% | -10.03% | -7.54% | -8.28% | -8.08% | +90 bps | |
| Loan Growth (YoY) | -33.00% | -31.45% | -31.49% | -30.54% | -32.99% | -34.49% | -36.98% | -41.84% | -1,130 bps | |
| Share Growth (YoY) | -1.97% | -2.57% | 2.11% | -8.25% | -7.97% | -7.30% | -8.70% | -8.17% | +8 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 78.25% | 85.56% | 93.72% | 103.86% | 116.78% | 130.61% | 148.72% | 178.58% | +7,471 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 46.05% | 44.74% | 44.05% | 46.80% | 44.82% | 44.59% | 44.31% | 46.85% | +6 bps | |
| Net Worth / Assets | 46.05% | 44.74% | 44.05% | 46.80% | 44.82% | 44.59% | 44.31% | 46.85% | +6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.85% | 38.49% | 34.56% | 34.99% | 30.47% | 27.20% | 23.85% | 22.16% | -1,283 bps | |
| Liquid Assets / Assets | 93.67% | 95.49% | 97.35% | 99.19% | 101.27% | 103.11% | 0.00% | 0.00% | -9,919 bps | |