PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Staten Island Savings Bank

New York City, NY · Cert 15986

FDIC

Q1 2004

$7.1BAssets
$3.9BLoans
$3.8BDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of -0.14%, down 165 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 103.44% of deposits as of Q1 2004.

Return on Assets (YTD, annualized)

-0.14%-165 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 2002Q3 2002Q4 2002Q1 2003Q2 2003Q3 2003Q4 2003Q1 2004YoY ΔTrend
Earnings
Return on Assets0.98%1.61%1.58%1.51%1.49%1.15%0.21%-0.14%-165 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)15.44%21.21%16.01%12.43%10.63%9.96%7.95%3.65%-878 bps
Loan Growth (YoY)24.88%31.63%28.45%23.45%22.52%15.40%-8.80%-20.91%-4,436 bps
Deposit Growth (YoY)27.23%29.39%19.50%15.20%13.48%11.27%10.94%5.96%-924 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits134.01%138.60%148.45%138.59%144.69%143.75%122.04%103.44%-3,514 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a