New York, NY · Charter 18166
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 2005, 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 18166
Q4 2005
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 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.16% | -0.81% | -0.79% | -0.76% | -0.45% | 0.03% | 0.02% | -0.15% | +61 bps | |
| Return on Equity | -13.65% | -9.37% | -9.71% | -8.67% | -4.61% | 0.31% | 0.19% | -1.85% | +682 bps | |
| Net Interest Margin | 1.63% | 1.25% | 0.86% | 0.89% | 1.32% | 1.11% | 0.91% | 0.64% | -25 bps | |
| Efficiency Ratio | 157.46% | 164.34% | 173.84% | 167.30% | 126.25% | 97.85% | 98.43% | 123.48% | -4,382 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -19.68% | -22.99% | -13.79% | -22.44% | -28.09% | -10.83% | -15.75% | 3.63% | +2,607 bps | |
| Loan Growth (YoY) | 260% | 88.03% | 2.20% | 26.96% | -23.07% | -53.64% | -50.38% | -35.53% | -6,249 bps | |
| Share Growth (YoY) | -20.90% | -24.82% | -14.84% | -23.95% | -29.06% | -11.05% | -16.76% | 4.52% | +2,847 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 11.85% | 0.00% | 0 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 | 1.70% | 1.72% | 2.65% | 1.82% | 0.00% | 3.71% | 3.40% | 2.83% | +100 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.51% | 8.62% | 8.14% | 8.76% | 9.80% | 8.89% | 9.29% | 8.27% | -49 bps | |
| Net Worth / Assets | 8.51% | 8.62% | 8.14% | 8.76% | 9.80% | 8.89% | 9.29% | 8.27% | -49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 8.96% | 9.06% | 9.35% | 10.22% | 9.72% | 4.72% | 5.57% | 6.30% | -392 bps | |
| Liquid Assets / Assets | 91.15% | 91.05% | 91.45% | 88.70% | 88.91% | 94.94% | 95.00% | 94.38% | +568 bps | |