New York, NY · Charter 17417
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 30, 2011, 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 17417
Q2 2011
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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.80% | 0.11% | -0.27% | -0.95% | -1.99% | -11.21% | -3.18% | -2.31% | -135 bps | |
| Return on Equity | -6.38% | 0.38% | -0.97% | -3.35% | -6.59% | -35.24% | -10.05% | -7.00% | -366 bps | |
| Net Interest Margin | 3.83% | 3.57% | 3.61% | 3.63% | 3.12% | 3.39% | 2.36% | 2.11% | -152 bps | |
| Efficiency Ratio | 137.71% | 88.50% | 87.07% | 103.05% | 91.58% | 265% | 186.27% | 176.11% | +7,307 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.70% | -2.03% | -0.09% | -2.47% | -9.35% | -33.48% | -36.38% | -37.43% | -3,495 bps | |
| Loan Growth (YoY) | -1.91% | -6.03% | -5.01% | -10.91% | -23.28% | -41.49% | -49.66% | -52.95% | -4,204 bps | |
| Share Growth (YoY) | -6.75% | -3.36% | 1.72% | -2.12% | -11.43% | -40.72% | -44.35% | -45.20% | -4,308 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.26% | 0.09% | 0.71% | 0.62% | 0.59% | 0.01% | 0.27% | 0.50% | -11 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 | 0.49% | 0.39% | 0.43% | 0.98% | 4.80% | 11.52% | 15.59% | 14.01% | +1,304 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 28.23% | 27.69% | 28.24% | 28.46% | 30.12% | 31.79% | 31.64% | 32.94% | +448 bps | |
| Net Worth / Assets | 28.23% | 27.69% | 28.24% | 28.46% | 30.12% | 31.79% | 31.64% | 32.94% | +448 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 27.52% | 25.17% | 26.41% | 26.72% | 23.84% | 24.85% | 23.89% | 22.94% | -377 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |