Brooklyn, NY · Cert 15960
FDIC
Q4 2004
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| 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% | 2.19% | 2.15% | 1.99% | 2.00% | 0.99% | 0.38% | -177 bps | |
| Return on Equity | 24.61% | 25.11% | 23.32% | 22.71% | 20.42% | 21.02% | 10.62% | 3.15% | -1,956 bps | |
| Net Interest Margin | 3.36% | 3.15% | 2.94% | 3.00% | 3.16% | 2.91% | 2.86% | 0.80% | -220 bps | |
| Efficiency Ratio | 37.15% | 37.11% | 39.06% | 38.99% | 40.98% | 40.68% | 47.03% | 42.55% | +357 bps | |
| Non-Interest Burden | -0.46% | -0.56% | -0.41% | -0.37% | -0.14% | -0.23% | 0.23% | 0.19% | +56 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% | 0.01% | 0.02% | 0.03% | 0.04% | 0.03% | 0.03% | 0.01% | -2 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 |