Jamaica, NY · Charter 14506
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.
Jamaica, NY · Charter 14506
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 | 0.80% | 0.87% | 1.12% | -13.27% | -5.59% | -3.88% | -2.69% | -35.38% | -2,211 bps | |
| Return on Equity | 10.89% | 11.42% | 13.29% | -244% | -95.11% | -62.03% | -39.79% | n/a | n/a | |
| Net Interest Margin | 4.23% | 4.63% | 4.72% | 4.37% | 3.89% | 3.87% | 4.15% | 4.78% | +41 bps | |
| Efficiency Ratio | 85.72% | 84.30% | 80.70% | 582% | 182.05% | 159.85% | 139.73% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.06% | -0.13% | -3.28% | -4.52% | -8.00% | -12.39% | -11.12% | -26.69% | -2,217 bps | |
| Loan Growth (YoY) | -25.02% | -23.55% | -25.52% | -25.78% | -28.22% | -30.52% | -0.89% | -4.15% | +2,163 bps | |
| Share Growth (YoY) | -6.61% | -2.05% | -4.82% | -4.30% | -6.66% | -10.33% | -8.49% | -20.13% | -1,583 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 17.35% | 21.30% | 14.85% | 17.92% | 18.91% | 32.73% | 24.23% | 13.95% | -397 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 | 3.64% | 3.71% | 4.17% | 4.56% | 3.59% | 3.78% | 5.33% | 5.19% | +63 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.32% | 7.61% | 8.41% | 5.44% | 5.88% | 6.25% | 6.76% | -0.31% | -575 bps | |
| Net Worth / Assets | 7.32% | 7.61% | 8.41% | 5.44% | 5.88% | 6.25% | 6.76% | -0.31% | -575 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.61% | 40.51% | 38.49% | 35.55% | 31.23% | 31.39% | 41.69% | 42.67% | +711 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |