Green Island, NY · Charter 14718
Q2 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.84% | -1.79% | 0.52% | 2.16% | 2.12% | 1.83% | 0.77% | -4.05% | -621 bps | |
| Return on Equity | -10.77% | -25.83% | 7.93% | 27.89% | 25.67% | 20.62% | 8.02% | -56.42% | -8,431 bps | |
| Net Interest Margin | 5.52% | 5.55% | 5.99% | 6.64% | 6.29% | 6.20% | 5.51% | 7.74% | +111 bps | |
| Efficiency Ratio | 52.56% | 52.99% | 36.84% | 39.03% | 45.71% | 50.89% | 83.35% | 98.29% | +5,926 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.42% | 6.50% | 6.67% | 1.40% | -3.64% | -6.78% | -13.84% | -9.30% | -1,070 bps | |
| Loan Growth (YoY) | 4.11% | 1.60% | -1.87% | -9.49% | -11.07% | -9.29% | -10.00% | -11.93% | -244 bps | |
| Share Growth (YoY) | 6.06% | 9.31% | 10.28% | 4.04% | -4.03% | -8.77% | -16.55% | -8.90% | -1,295 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 13.33% | 13.23% | 11.63% | 11.38% | 11.31% | 13.86% | 19.20% | 20.55% | +917 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 | 2.42% | 3.49% | 4.18% | 2.71% | 2.54% | 2.46% | 2.01% | 3.04% | +33 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.80% | 6.94% | 6.57% | 7.76% | 8.24% | 8.90% | 9.60% | 7.17% | -58 bps | |
| Net Worth / Assets | 7.80% | 6.94% | 6.57% | 7.76% | 8.24% | 8.90% | 9.60% | 7.17% | -58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.73% | 91.35% | 88.26% | 87.37% | 85.92% | 90.83% | 95.19% | 84.47% | -290 bps | |
| Liquid Assets / Assets | 14.77% | 16.19% | 19.05% | 19.07% | 20.48% | 16.61% | 12.88% | 0.00% | -1,907 bps | |