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Richmond County Savings Bank

Staten Island, NY · Cert 16027

FDIC

Q2 2001

$3.7BAssets
$1.9BLoans
$2.5BDeposits
$296.8MEquity
Loan mix
99%RE $1.7B1%C&I $0.0B0%Consumer $0.0BQ2 2000Q2 2001
Deposit mix
91%Interest-bearing $2.3B9%Noninterest $0.2BQ2 2000Q2 2001

NIM

7.06%Q1 ’016.71%Q2 ’01-6%

Non-interest income vs. expense

1.78%Q1 ’011.58%Q2 ’01-12%

Executive Summary

  • Earnings: ROA of 1.25%, up 28 bps year over year; NIM at 3.07%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 76.64% of deposits as of Q2 2001.

Financial Results

Return on Assets (quarter, annualized)

1.25%+28 bps YoY

Net Interest Margin (quarter, annualized)

3.07%

Efficiency Ratio (quarter, annualized)

46.08%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2000Q3 2000Q4 2000Q1 2001Q2 2001YoY ΔTrend
Earnings
Return on Assets0.98%1.06%1.11%1.23%1.25%+28 bps
Return on Equityn/an/an/an/a14.48%n/an/a
Net Interest Marginn/an/an/a3.28%3.07%n/a
Efficiency Ration/an/an/a48.42%46.08%n/a
Non-Interest Burdenn/an/an/a1.38%1.21%n/a
Growth
Asset Growth (YoY)3.83%14.21%10.92%15.36%27.85%+2,401 bps
Loan Growth (YoY)19.72%23.52%18.36%8.65%23.89%+417 bps
Deposit Growth (YoY)10.55%25.41%24.60%25.34%41.57%+3,102 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/a0.00%0.00%n/a
Allowance / Loansn/an/an/a1.10%1.15%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/a14.00%10.65%n/a
Equity / Assetsn/an/an/a9.26%8.08%n/a
Liquidity & Funding
Loans / Deposits87.58%84.65%86.78%78.67%76.64%-1,094 bps
Liquid Assets / Assets0.00%0.00%0.00%1.68%1.51%+151 bps
CRE / Total Capitaln/an/an/an/an/an/an/a