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Greenpoint Bank

Brooklyn, NY · Cert 15960

FDIC

Q4 2004

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2004, the quarter ended December 31, 2004, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Greenpoint Bank

Brooklyn, NY · Cert 15960

FDIC

Q4 2004

$32.5BAssets
$19.8BLoans
$12.9BDeposits
$6.8BEquity
Deposit mix
94%Interest-bearing $12.2B6%Noninterest $0.7BQ4 2003Q4 2004

NIM

5.71%Q4 ’025.01%Q4 ’031.19%Q4 ’04-11%-73%

Non-interest income vs. expense

1.87%Q4 ’022.15%Q4 ’030.49%Q4 ’04-534%+151%

Executive Summary

  • Earnings: ROA of 0.38%, down 177 bps year over year; NIM at 0.80%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Funding: loans stand at 153.15% of deposits as of Q4 2004.

Financial Results

Return on Assets (YTD, annualized)

0.38%-177 bps YoY

Net Interest Margin (YTD, annualized)

0.80%-220 bps YoY

Efficiency Ratio (YTD, annualized)

42.55%+357 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2003Q1 2004Q2 2004Q3 2004Q4 2004YoY ΔTrend
Earnings
Return on Assets2.15%1.99%2.00%0.99%0.38%-177 bps
Return on Equity22.71%20.42%21.02%10.62%3.15%-1,956 bps
Net Interest Margin3.00%3.16%2.91%2.86%0.80%-220 bps
Efficiency Ratio38.99%40.98%40.68%47.03%42.55%+357 bps
Non-Interest Burden-0.37%-0.14%-0.23%0.23%0.19%+56 bps
Growth
Asset Growth (YoY)5.33%6.40%14.46%17.87%41.34%+3,602 bps
Loan Growth (YoY)-5.60%0.68%10.18%15.26%34.10%+3,971 bps
Deposit Growth (YoY)5.89%2.82%5.49%2.80%1.43%-446 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.03%0.04%0.03%0.03%0.01%-2 bps
Allowance / Loansn/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital14.35%14.18%13.90%13.56%12.57%-178 bps
Equity / Assetsn/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits115.83%116.03%128.38%137.11%153.15%+3,732 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a