Brooklyn, NY · Cert 16018
FDIC
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 2006, 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.
Brooklyn, NY · Cert 16018
FDIC
Q2 2006
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 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.47% | 1.37% | 1.27% | 1.21% | 1.19% | 1.12% | 0.86% | -0.01% | -121 bps | |
| Return on Equity | 13.51% | 12.25% | 10.50% | 10.01% | 9.70% | 9.12% | 6.83% | -0.05% | -1,006 bps | |
| Net Interest Margin | 2.72% | 2.82% | 3.07% | 2.99% | 2.90% | 2.83% | 2.56% | 0.39% | -259 bps | |
| Efficiency Ratio | 43.47% | 43.44% | 42.81% | 44.40% | 44.96% | 46.25% | 54.89% | 49.51% | +511 bps | |
| Non-Interest Burden | 0.95% | 1.00% | 1.15% | 1.15% | 1.12% | 1.13% | 1.27% | 0.24% | -91 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 98.49% | 86.16% | 79.61% | 1.23% | 4.41% | 7.44% | 5.88% | 7.75% | +652 bps | |
| Loan Growth (YoY) | 100.03% | 83.64% | 73.27% | 6.61% | 10.93% | 8.61% | 11.14% | 10.56% | +395 bps | |
| Deposit Growth (YoY) | 79.20% | 74.43% | 80.74% | 7.95% | 12.70% | 17.42% | 11.71% | 8.73% | +78 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% | 0.04% | -0.04% | -0.01% | 0.00% | 0.00% | 0.07% | 0.00% | +1 bps | |
| Allowance / Loans | 0.94% | 0.89% | 0.89% | 0.85% | 0.82% | 0.82% | 0.78% | 0.83% | -2 bps | |
| 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 | 10.97% | 11.47% | 11.44% | 10.88% | 12.22% | 12.59% | 12.65% | 10.37% | -51 bps | |
| Equity / Assets | 11.84% | 12.06% | 12.12% | 11.99% | 12.79% | 12.59% | 12.73% | 18.64% | +665 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 117.59% | 120.07% | 113.36% | 115.68% | 115.75% | 111.07% | 112.78% | 117.62% | +194 bps | |
| Liquid Assets / Assets | 0.70% | 0.33% | 0.43% | 0.45% | 0.42% | 3.33% | 2.24% | 0.20% | -25 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |