New York, NY · Cert 19736
FDIC
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 2007, 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 19736
FDIC
Q1 2007
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 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.52% | 0.59% | 0.69% | 0.95% | 0.70% | 0.83% | 0.89% | 0.86% | -9 bps | |
| Return on Equity | 4.34% | 4.88% | 5.66% | 7.15% | 5.21% | 6.08% | 6.47% | 6.15% | -100 bps | |
| Net Interest Margin | 3.11% | 3.27% | 3.52% | 4.57% | 4.45% | 4.46% | 4.26% | 4.32% | -25 bps | |
| Efficiency Ratio | 70.89% | 68.54% | 65.43% | 58.19% | 55.97% | 55.79% | 57.35% | 59.75% | +157 bps | |
| Non-Interest Burden | 2.11% | 2.14% | 2.19% | 2.57% | 2.37% | 2.30% | 2.25% | 2.49% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.81% | -0.99% | -8.29% | -3.22% | -6.15% | -9.68% | -0.46% | 0.82% | +404 bps | |
| Loan Growth (YoY) | 9.30% | 19.29% | 13.99% | -1.53% | -8.45% | -7.52% | 5.64% | 24.21% | +2,574 bps | |
| Deposit Growth (YoY) | -7.32% | -1.50% | -10.19% | -4.88% | -8.27% | -12.21% | -2.04% | -0.29% | +458 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 | 0.01% | 0.00% | 0.03% | 0.28% | 0.14% | 0.10% | 0.07% | 0.00% | -28 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 | 14.25% | 14.37% | 15.20% | 16.00% | 16.28% | 16.38% | 16.33% | 17.25% | +125 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 | 53.84% | 53.35% | 56.69% | 49.75% | 53.73% | 56.20% | 61.13% | 61.98% | +1,223 bps | |
| 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 |