Mattituck, NY · Cert 15985
FDIC
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, 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.
Mattituck, NY · Cert 15985
FDIC
Q2 2007
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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.97% | 1.86% | 1.54% | 1.60% | 1.56% | 0.06% | 0.82% | 0.83% | -78 bps | |
| Return on Equity | 12.40% | 11.49% | 8.99% | 9.41% | 9.13% | 0.35% | 3.23% | 3.25% | -617 bps | |
| Net Interest Margin | 3.22% | 3.22% | 3.02% | 3.02% | 2.94% | 0.23% | 2.79% | 2.85% | -16 bps | |
| Efficiency Ratio | 36.46% | 37.70% | 40.75% | 39.20% | 40.46% | 53.34% | 55.40% | 55.18% | +1,598 bps | |
| Non-Interest Burden | 0.48% | 0.54% | 0.64% | 0.56% | 0.57% | 0.13% | 1.46% | 1.47% | +91 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 112.86% | 88.31% | -5.15% | -1.64% | 1.81% | 1.45% | -5.33% | -8.94% | -731 bps | |
| Loan Growth (YoY) | 138.71% | 130.07% | 3.45% | 4.97% | 9.20% | 7.02% | -8.47% | -17.10% | -2,207 bps | |
| Deposit Growth (YoY) | 84.90% | 71.29% | 2.30% | -1.71% | -0.79% | 4.74% | 3.00% | 4.65% | +636 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 | 0.06% | 0.08% | 0.06% | 0.06% | 0.05% | 0.02% | 0.09% | 0.10% | +4 bps | |
| Allowance / Loans | n/a | n/a | 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 | 13.99% | 13.02% | 11.87% | 12.39% | 13.07% | 12.11% | 12.89% | 11.87% | -52 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.25% | 104.18% | 103.51% | 111.54% | 112.54% | 106.44% | 91.99% | 88.35% | -2,318 bps | |
| Liquid Assets / Assets | 0.00% | 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 |