New York, NY · Charter 14047
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 2010, 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 14047
Q1 2010
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 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.05% | -0.69% | -1.14% | -1.72% | -0.20% | -0.29% | -2.18% | -2.83% | -111 bps | |
| Return on Equity | -0.43% | -6.65% | -10.65% | -17.36% | -1.86% | -2.87% | -23.52% | -35.77% | -1,841 bps | |
| Net Interest Margin | 4.33% | 3.51% | 3.75% | 2.28% | 2.42% | 2.43% | 2.18% | 1.31% | -97 bps | |
| Efficiency Ratio | 101.07% | 126.42% | 135.59% | 186.40% | 102.41% | 106.81% | 174.58% | 316% | +12,916 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.46% | -1.51% | -3.73% | -6.16% | -10.02% | -5.35% | -6.88% | -2.92% | +324 bps | |
| Loan Growth (YoY) | -14.27% | -4.52% | -18.17% | -10.59% | -10.38% | -5.81% | -3.31% | 5.45% | +1,605 bps | |
| Share Growth (YoY) | 1.37% | -0.70% | -2.45% | -5.52% | -9.99% | -5.20% | -5.35% | -0.82% | +470 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 10.82% | 8.27% | 1.63% | 1.76% | 1.65% | 8.07% | 39.24% | +3,761 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 | 10.89% | 10.71% | 11.57% | 8.56% | 9.22% | 8.62% | 9.07% | 8.12% | -44 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.78% | 10.35% | 10.72% | 9.92% | 10.67% | 10.08% | 9.25% | 7.92% | -200 bps | |
| Net Worth / Assets | 10.78% | 10.35% | 10.72% | 9.92% | 10.67% | 10.08% | 9.25% | 7.92% | -200 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 19.35% | 19.68% | 19.97% | 19.72% | 19.26% | 19.55% | 20.40% | 20.97% | +125 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |