Brooklyn, NY · Cert 15960
FDIC
Q4 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.35% | 2.35% | 1.85% | 2.04% | 1.99% | 2.03% | -0.87% | -1.13% | -317 bps | |
| Return on Equity | 24.61% | 25.47% | 20.11% | 21.24% | 20.42% | 21.60% | -9.78% | -7.33% | -2,856 bps | |
| Net Interest Margin | 3.36% | 3.09% | 2.75% | 3.04% | 3.16% | 2.93% | 3.04% | -5.14% | -819 bps | |
| Efficiency Ratio | 37.15% | 37.07% | 43.40% | 38.76% | 40.98% | 40.40% | 60.34% | 44.69% | +593 bps | |
| Non-Interest Burden | -0.46% | -0.68% | -0.15% | -0.22% | -0.14% | -0.32% | 1.13% | 0.07% | +29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.27% | 12.81% | 1.27% | 5.33% | 6.40% | 14.46% | 17.87% | 41.34% | +3,602 bps | |
| Loan Growth (YoY) | 4.18% | 8.40% | -4.15% | -5.60% | 0.68% | 10.18% | 15.26% | 34.10% | +3,971 bps | |
| Deposit Growth (YoY) | 12.95% | 11.73% | 9.85% | 5.89% | 2.82% | 5.49% | 2.80% | 1.43% | -446 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | 0.03% | 0.06% | 0.04% | 0.02% | 0.02% | -0.05% | -10 bps | |
| Allowance / Loans | 0.53% | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 13.17% | 12.33% | 13.18% | 14.35% | 14.18% | 13.90% | 13.56% | 12.57% | -178 bps | |
| Equity / Assets | 9.44% | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 118.50% | 122.90% | 122.29% | 115.83% | 116.03% | 128.38% | 137.11% | 153.15% | +3,732 bps | |
| Liquid Assets / Assets | 0.05% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |