East Meadow, NY · Charter 19005
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 | 1.23% | 1.68% | 0.18% | 0.95% | 0.86% | 0.87% | -2.71% | 2.57% | +161 bps | |
| Return on Equity | 6.21% | 6.97% | 0.71% | 3.53% | 3.48% | 5.79% | -21.50% | 18.69% | +1,516 bps | |
| Net Interest Margin | 3.31% | 3.93% | 2.52% | 3.79% | 3.37% | 2.15% | -1.41% | 3.89% | +11 bps | |
| Efficiency Ratio | 63.00% | 57.31% | 92.88% | 74.79% | 74.52% | 59.60% | n/a | 34.04% | -4,076 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.75% | -31.94% | -36.82% | -30.07% | -20.64% | 60.22% | 64.50% | 68.44% | +9,851 bps | |
| Loan Growth (YoY) | -25.07% | -15.12% | -2.25% | -15.25% | -46.61% | -58.03% | -58.86% | -58.60% | -4,335 bps | |
| Share Growth (YoY) | -16.65% | -38.19% | -44.34% | -37.14% | -25.55% | 79.38% | 88.27% | 99.14% | +13,629 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.75% | 24.08% | 25.20% | 27.04% | 24.71% | 14.99% | 12.61% | 13.74% | -1,330 bps | |
| Net Worth / Assets | 19.75% | 24.08% | 25.20% | 27.04% | 24.71% | 14.99% | 12.61% | 13.74% | -1,330 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.25% | 63.68% | 64.29% | 60.04% | 33.16% | 14.90% | 14.05% | 12.48% | -4,756 bps | |
| Liquid Assets / Assets | 60.21% | 48.36% | 49.69% | 53.58% | 72.09% | 34.83% | 2.01% | 75.04% | +2,146 bps | |