Yonkers, NY · Charter 19208
Q2 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2005, the quarter ended June 30, 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.
Yonkers, NY · Charter 19208
Q2 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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.54% | -0.45% | -5.21% | -2.80% | -0.35% | -2.13% | -0.20% | -1.29% | +152 bps | |
| Return on Equity | -4.26% | -3.49% | -44.07% | -24.98% | -3.09% | -20.11% | -1.76% | -10.51% | +1,447 bps | |
| Net Interest Margin | 2.73% | 2.77% | 2.84% | 2.46% | 2.48% | 2.61% | 2.86% | 2.70% | +25 bps | |
| Efficiency Ratio | 112.77% | 110.88% | 112.18% | 117.78% | 108.11% | 102.90% | 99.28% | 108.92% | -886 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.26% | -5.35% | -4.78% | 2.34% | 2.28% | 2.08% | -3.96% | -11.05% | -1,339 bps | |
| Loan Growth (YoY) | 7.19% | 5.92% | 12.31% | -31.68% | -29.90% | -25.46% | -63.66% | -73.75% | -4,207 bps | |
| Share Growth (YoY) | -4.84% | -5.08% | -3.92% | 4.35% | 4.18% | 5.03% | -3.30% | -11.97% | -1,632 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.37% | 0.99% | 0.00% | 0.20% | 1.28% | 0.00% | 1.11% | 2.62% | +243 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 | 1.28% | 1.41% | 4.87% | 6.52% | 5.51% | 10.17% | 6.61% | 19.51% | +1,299 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.76% | 13.01% | 11.83% | 11.22% | 11.24% | 10.61% | 11.33% | 12.25% | +102 bps | |
| Net Worth / Assets | 12.76% | 13.01% | 11.83% | 11.22% | 11.24% | 10.61% | 11.33% | 12.25% | +102 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 18.88% | 17.53% | 16.61% | 12.08% | 12.70% | 12.44% | 6.24% | 3.60% | -848 bps | |
| Liquid Assets / Assets | 82.57% | 83.75% | 84.57% | 88.83% | 88.25% | 88.94% | 93.63% | 96.08% | +725 bps | |