New York, NY · Cert 19553
FDIC
Q4 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2011, the quarter ended December 31, 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 · Cert 19553
FDIC
Q4 2011
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.42% | 0.23% | 0.50% | 1.28% | 0.86% | 0.79% | 0.69% | 0.54% | -74 bps | |
| Return on Equity | 2.76% | 1.45% | 2.92% | 7.20% | 3.96% | 3.37% | 2.43% | 1.66% | -554 bps | |
| Net Interest Margin | 1.34% | 1.59% | 1.65% | 1.67% | 1.26% | 1.15% | 1.57% | 2.79% | +113 bps | |
| Efficiency Ratio | 97.33% | 106.54% | 83.00% | 55.07% | 58.17% | 64.28% | 66.54% | 59.91% | +485 bps | |
| Non-Interest Burden | 1.30% | 1.77% | 1.22% | 0.13% | 0.00% | 0.34% | 0.57% | 0.87% | +75 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.76% | -5.92% | -14.74% | -30.04% | -19.96% | -25.88% | -65.22% | -72.10% | -4,206 bps | |
| Loan Growth (YoY) | -28.65% | -29.03% | -26.96% | -31.74% | -35.24% | -63.65% | -71.04% | -75.85% | -4,411 bps | |
| Deposit Growth (YoY) | 56.98% | -2.53% | -18.24% | -47.95% | -34.49% | -26.90% | -100.00% | -100.00% | -5,205 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.18% | 0.27% | 0.18% | 1.58% | 0.00% | 0.00% | 0.00% | 0.00% | -158 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 18.15% | 18.78% | 19.77% | 22.36% | 25.46% | 87.86% | 129.38% | 172.47% | +15,011 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.93% | 114.17% | 129.10% | 126.05% | 92.86% | 56.77% | n/a | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |