New York, NY · Charter 1329
Q1 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2008, the quarter ended March 31, 2008, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
New York, NY · Charter 1329
Q1 2008
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 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.17% | 0.24% | 0.01% | -2.15% | -1.74% | -1.32% | -0.62% | -0.53% | +161 bps | |
| Return on Equity | 0.85% | 1.24% | 0.06% | -10.56% | -8.38% | -6.12% | -2.76% | -2.53% | +803 bps | |
| Net Interest Margin | 4.63% | 4.62% | 4.90% | 4.64% | 4.61% | 4.99% | 5.06% | 4.37% | -27 bps | |
| Efficiency Ratio | 92.15% | 91.02% | 93.97% | 131.40% | 120.55% | 111.01% | 102.12% | 100.67% | -3,074 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.53% | -11.02% | -8.66% | -11.55% | -10.05% | -13.62% | -9.98% | -3.89% | +766 bps | |
| Loan Growth (YoY) | -10.23% | 6.32% | 1.37% | -2.11% | -7.70% | -7.40% | -5.04% | -6.25% | -414 bps | |
| Share Growth (YoY) | -15.15% | -13.35% | -11.12% | -14.19% | -12.80% | -15.84% | -12.07% | -5.85% | +834 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.71% | 1.71% | 1.50% | 1.81% | 1.35% | 1.31% | 1.44% | 1.65% | -16 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 | 0.82% | 0.81% | 0.82% | 0.80% | 0.94% | 1.00% | 0.96% | 1.03% | +23 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.50% | 19.62% | 20.72% | 20.32% | 20.73% | 21.53% | 22.40% | 20.99% | +67 bps | |
| Net Worth / Assets | 19.50% | 19.62% | 20.72% | 20.32% | 20.73% | 21.53% | 22.40% | 20.99% | +67 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.37% | 49.99% | 51.94% | 50.96% | 51.19% | 55.00% | 56.09% | 50.74% | -21 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |