New York, NY · Charter 16493
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 2010, 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.
New York, NY · Charter 16493
Q1 2010
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.36% | 2.26% | 0.04% | -0.99% | 0.15% | 0.00% | -0.62% | -0.33% | +67 bps | |
| Return on Equity | 4.94% | 4.73% | 0.09% | -2.10% | 0.31% | 0.00% | -1.20% | -0.63% | +147 bps | |
| Net Interest Margin | 3.41% | 3.19% | 1.41% | 1.35% | 1.10% | 0.85% | 0.84% | 0.15% | -119 bps | |
| Efficiency Ratio | 30.92% | 28.99% | 96.88% | 65.70% | 86.62% | 100.00% | 173.37% | 520% | +45,430 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.50% | 4.06% | 2.43% | 5.12% | -2.14% | -3.96% | -6.96% | -9.36% | -1,448 bps | |
| Loan Growth (YoY) | -42.43% | -39.70% | -38.96% | -57.48% | -33.43% | -43.56% | -57.70% | -100.00% | -4,252 bps | |
| Share Growth (YoY) | -1.28% | 9.10% | 11.01% | 12.69% | -1.60% | -4.54% | -12.36% | -17.09% | -2,978 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 21.70% | 23.39% | 25.38% | 38.57% | 32.60% | 41.45% | 60.01% | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 47.71% | 47.81% | 48.30% | 47.23% | 47.42% | 48.13% | 51.30% | 51.73% | +450 bps | |
| Net Worth / Assets | 47.71% | 47.81% | 48.30% | 47.23% | 47.42% | 48.13% | 51.30% | 51.73% | +450 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 21.47% | 19.88% | 19.36% | 12.27% | 14.52% | 11.75% | 9.34% | 0.00% | -1,227 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |