White Plains, NY · Charter 17313
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 31, 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.
White Plains, NY · Charter 17313
Q1 2006
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 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.18% | -0.52% | -0.24% | 0.52% | -0.24% | 0.40% | 0.28% | -1.48% | -200 bps | |
| Return on Equity | 10.94% | -5.20% | -2.10% | 4.72% | -2.23% | 3.28% | 2.06% | -11.00% | -1,571 bps | |
| Net Interest Margin | 5.23% | 5.30% | 5.71% | 5.31% | 5.62% | 5.66% | 6.03% | 4.69% | -62 bps | |
| Efficiency Ratio | 79.83% | 88.81% | 93.64% | 95.07% | 96.57% | 92.04% | 96.22% | 138.08% | +4,302 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.47% | -0.07% | -12.14% | -6.42% | -7.28% | -12.02% | -14.21% | -20.02% | -1,360 bps | |
| Loan Growth (YoY) | 36.30% | 6.24% | -3.31% | 5.04% | -10.69% | -21.13% | -20.85% | -24.02% | -2,906 bps | |
| Share Growth (YoY) | -0.33% | -5.75% | -8.85% | -6.06% | -6.57% | -8.92% | -16.36% | -20.02% | -1,396 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.82% | 5.07% | 11.13% | 3.28% | 2.90% | 14.04% | 16.80% | 12.07% | +879 bps | |
| 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 | 1.04% | 0.98% | 0.64% | 0.63% | 0.70% | 0.75% | 0.65% | 0.68% | +5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.77% | 10.03% | 11.24% | 10.95% | 10.87% | 12.07% | 13.37% | 13.45% | +250 bps | |
| Net Worth / Assets | 10.77% | 10.03% | 11.24% | 10.95% | 10.87% | 12.07% | 13.37% | 13.45% | +250 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.74% | 87.52% | 85.81% | 83.79% | 75.27% | 75.78% | 81.20% | 79.60% | -419 bps | |
| Liquid Assets / Assets | 9.99% | 8.77% | 5.25% | 9.58% | 14.50% | 30.20% | 25.92% | 27.55% | +1,797 bps | |