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

6.70%Q3 ’015.99%Q3 ’024.48%Q3 ’03+8%-27%

Non-interest income vs. expense

1.00%Q3 ’010.84%Q3 ’020.76%Q3 ’03-22%-12%

Executive Summary

  • Earnings: ROA of 1.34%, up 2 bps year over year; NIM at 1.94%.
  • 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 (quarter, annualized)

1.34%+2 bps YoY

Net Interest Margin (quarter, annualized)

1.94%-73 bps YoY

Efficiency Ratio (quarter, annualized)

34.48%+585 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2002Q4 2002Q1 2003Q2 2003Q3 2003YoY ΔTrend
Earnings
Return on Assets1.32%1.43%1.38%1.50%1.34%+2 bps
Return on Equity24.29%26.24%24.11%24.40%21.25%-304 bps
Net Interest Margin2.67%2.67%2.51%2.26%1.94%-73 bps
Efficiency Ratio28.63%37.87%28.30%25.88%34.48%+585 bps
Non-Interest Burden0.57%0.85%0.53%0.38%0.50%-7 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%0.00%0.01%0.00%0.00%-1 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