Bronx, NY · Charter 20997
Q4 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2004, the quarter ended December 31, 2004, 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.
Bronx, NY · Charter 20997
Q4 2004
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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.67% | 0.15% | 0.34% | -1.15% | 0.34% | 0.54% | -0.02% | -0.07% | +108 bps | |
| Return on Equity | -3.64% | 0.75% | 1.58% | -5.62% | 1.67% | 2.61% | -0.11% | -0.31% | +532 bps | |
| Net Interest Margin | 1.40% | 2.57% | 2.82% | 2.72% | 2.66% | 1.89% | 2.04% | 2.65% | -7 bps | |
| Efficiency Ratio | 133.71% | 94.41% | 88.09% | 99.41% | 102.54% | 141.34% | 145.18% | 114.59% | +1,517 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.70% | -13.18% | -12.43% | -11.06% | -13.19% | -9.33% | -5.30% | -10.05% | +101 bps | |
| Loan Growth (YoY) | -16.98% | -11.05% | 14.64% | -14.29% | -49.23% | -78.77% | -84.39% | -56.04% | -4,176 bps | |
| Share Growth (YoY) | -8.07% | -15.67% | -15.65% | -12.50% | -15.30% | -10.52% | -4.73% | -12.13% | +37 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.57% | 0.00% | 4.47% | 0.00% | 0.00% | 13.74% | 28.05% | 2.55% | +255 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 | 4.37% | 3.33% | 3.00% | 5.87% | 9.06% | 6.41% | 9.33% | 4.91% | -96 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.42% | 19.60% | 21.84% | 20.38% | 20.36% | 20.65% | 21.56% | 22.26% | +188 bps | |
| Net Worth / Assets | 18.42% | 19.60% | 21.84% | 20.38% | 20.36% | 20.65% | 21.56% | 22.26% | +188 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 18.33% | 19.54% | 24.70% | 18.91% | 10.99% | 4.64% | 4.05% | 9.46% | -945 bps | |
| Liquid Assets / Assets | 52.67% | 48.33% | 80.00% | 78.58% | 85.32% | 91.66% | 94.34% | 88.17% | +959 bps | |