PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Roslyn Savings Bank, The

Jericho, NY · Cert 16038

FDIC

Q3 2003

$10.5BAssets
$3.6BLoans
$6.0BDeposits
$653.1MEquity
Loan mix
99%RE $2.3B1%C&I $0.0B0%Consumer $0.0BQ3 2002Q3 2003
Deposit mix
95%Interest-bearing $5.7B5%Noninterest $0.3BQ3 2002Q3 2003

NIM

6.67%Q3 ’015.76%Q3 ’024.83%Q3 ’03+9%-14%

Non-interest income vs. expense

0.91%Q3 ’010.88%Q3 ’020.72%Q3 ’03-7%-23%

Executive Summary

  • Earnings: ROA of 1.41%, up 8 bps year over year; NIM at 2.21%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 60.31% of deposits as of Q3 2003.

Financial Results

Return on Assets (YTD, annualized)

1.41%+8 bps YoY

Net Interest Margin (YTD, annualized)

2.21%-37 bps YoY

Efficiency Ratio (YTD, annualized)

29.33%-156 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2002Q4 2002Q1 2003Q2 2003Q3 2003YoY ΔTrend
Earnings
Return on Assets1.33%1.37%1.38%1.44%1.41%+8 bps
Return on Equity25.23%25.62%24.11%24.26%23.44%-178 bps
Net Interest Margin2.58%2.43%2.51%2.39%2.21%-37 bps
Efficiency Ratio30.89%32.80%28.30%27.14%29.33%-156 bps
Non-Interest Burden0.61%0.63%0.53%0.46%0.47%-14 bps
Growth
Asset Growth (YoY)27.19%26.69%16.96%10.97%-1.00%-2,819 bps
Loan Growth (YoY)-12.83%-15.36%-6.85%3.79%7.30%+2,013 bps
Deposit Growth (YoY)22.21%26.92%27.46%18.07%9.82%-1,239 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%0.01%0.01%0.01%0.00%0 bps
Allowance / Loans1.26%1.37%1.34%1.24%1.22%-4 bps
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 Capital12.16%13.18%13.91%14.42%14.47%+231 bps
Equity / Assets5.43%5.49%5.95%6.36%6.24%+81 bps
Liquidity & Funding
Loans / Deposits61.73%54.70%52.74%58.07%60.31%-141 bps
Liquid Assets / Assets0.00%3.47%3.56%2.65%17.34%+1,734 bps
CRE / Total Capitaln/an/an/an/an/an/an/a