Nanuet, NY · Cert 20119
FDIC
Q4 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.34% | 1.22% | 1.31% | 1.28% | 1.12% | 1.11% | 1.15% | -0.67% | -195 bps | |
| Return on Equity | 14.29% | 13.14% | 14.47% | 14.02% | 11.99% | 12.30% | 12.98% | -7.40% | -2,141 bps | |
| Net Interest Margin | 3.54% | 3.45% | 3.41% | 3.28% | 3.16% | 3.13% | 3.15% | 3.01% | -26 bps | |
| Efficiency Ratio | 46.03% | 45.96% | 45.67% | 46.39% | 49.44% | 50.07% | 47.86% | 54.22% | +783 bps | |
| Non-Interest Burden | 1.52% | 1.50% | 1.44% | 1.37% | 1.48% | 1.49% | 1.42% | 1.56% | +19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.21% | -2.15% | 0.59% | 5.63% | 5.14% | 7.32% | 2.09% | -2.80% | -842 bps | |
| Loan Growth (YoY) | -1.82% | -1.24% | 4.41% | 8.03% | 7.80% | 7.04% | 1.87% | -1.89% | -992 bps | |
| Deposit Growth (YoY) | -0.19% | -1.66% | -4.21% | 2.38% | 7.90% | 5.54% | 2.25% | -5.07% | -745 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 | 0.03% | 0.05% | 0.11% | 0.01% | 0.12% | 0.15% | 0.02% | 0.01% | 0 bps | |
| Allowance / Loans | 1.03% | 1.09% | 1.03% | 1.01% | 0.99% | 0.98% | 1.00% | 2.04% | +103 bps | |
| 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 | 16.63% | 16.54% | 16.43% | 15.82% | 15.96% | 15.59% | 16.29% | 16.22% | +40 bps | |
| Equity / Assets | 9.37% | 9.22% | 8.92% | 9.33% | 9.35% | 8.77% | 8.93% | 9.25% | -9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.41% | 80.06% | 76.94% | 83.87% | 83.33% | 81.20% | 76.65% | 86.68% | +281 bps | |
| Liquid Assets / Assets | 26.75% | 26.28% | 24.65% | 25.84% | 25.59% | 25.08% | 23.33% | 24.43% | -141 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |