New York, NY · Charter 14111
Q4 2007
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 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.49% | -0.08% | 0.16% | 0.08% | -0.80% | -0.08% | -0.22% | -2.76% | -284 bps | |
| Return on Equity | -7.14% | -1.16% | 2.02% | 0.96% | -10.78% | -1.06% | -2.83% | -45.91% | -4,687 bps | |
| Net Interest Margin | 4.51% | 4.77% | 5.26% | 5.44% | 4.91% | 5.42% | 5.67% | 6.12% | +69 bps | |
| Efficiency Ratio | 109.62% | 101.55% | 96.62% | 96.79% | 111.94% | 98.56% | 97.12% | 126.00% | +2,921 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.00% | 8.93% | 3.87% | -7.88% | -7.08% | -7.51% | -2.72% | -7.46% | +42 bps | |
| Loan Growth (YoY) | -12.79% | -8.34% | -24.27% | -20.43% | -17.49% | -18.90% | -6.49% | -14.74% | +569 bps | |
| Share Growth (YoY) | 13.67% | 9.51% | 4.02% | -8.65% | -7.99% | -8.32% | -3.28% | -6.51% | +214 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.16% | 4.91% | 3.32% | 5.58% | 4.04% | 5.29% | 2.61% | 2.87% | -272 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 | 4.77% | 5.21% | 3.84% | 4.23% | 2.71% | 3.14% | 2.23% | 4.80% | +57 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.90% | 7.12% | 7.82% | 8.11% | 7.43% | 7.78% | 7.83% | 6.01% | -210 bps | |
| Net Worth / Assets | 6.90% | 7.12% | 7.82% | 8.11% | 7.43% | 7.78% | 7.83% | 6.01% | -210 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 20.58% | 20.31% | 19.51% | 21.97% | 18.45% | 17.96% | 18.87% | 20.04% | -193 bps | |
| Liquid Assets / Assets | 45.82% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |