Mattituck, NY · Cert 15985
FDIC
Q2 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.69% | 1.54% | 1.54% | 1.67% | 1.47% | -4.41% | 0.82% | 0.84% | -83 bps | |
| Return on Equity | 9.73% | 8.71% | 8.99% | 9.92% | 8.64% | -21.03% | 3.23% | 3.24% | -668 bps | |
| Net Interest Margin | 3.08% | 3.16% | 3.02% | 3.06% | 2.87% | -7.92% | 2.79% | 2.82% | -24 bps | |
| Efficiency Ratio | 37.33% | 41.52% | 40.75% | 37.72% | 43.00% | 61.50% | 55.40% | 54.97% | +1,725 bps | |
| Non-Interest Burden | 0.41% | 0.70% | 0.64% | 0.49% | 0.62% | -1.23% | 1.46% | 1.44% | +95 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 | 0.07% | 0.12% | 0.06% | 0.05% | 0.05% | -0.09% | 0.09% | 0.11% | +5 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 |