New York, NY · Cert 21844
FDIC
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 2002, 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 21844
FDIC
Q3 2002
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 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.87% | 0.52% | 0.46% | 1.05% | 0.36% | -2.34% | -1.34% | -0.90% | -194 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | -12.23% | -7.13% | -4.50% | n/a | |
| Net Interest Margin | n/a | 2.09% | 2.55% | 1.33% | 2.06% | 2.72% | 2.32% | 2.37% | +103 bps | |
| Efficiency Ratio | n/a | 49.72% | 63.91% | 53.17% | 49.00% | 71.83% | 79.53% | 80.73% | +2,755 bps | |
| Non-Interest Burden | n/a | 0.66% | 1.39% | 0.40% | 0.50% | 1.56% | 1.60% | 1.55% | +115 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.68% | -27.05% | -31.91% | -24.09% | -28.01% | 88.94% | 114.39% | 19.41% | +4,350 bps | |
| Loan Growth (YoY) | 3.80% | 3.58% | -11.64% | -13.59% | -6.83% | 81.70% | 72.84% | 4.22% | +1,780 bps | |
| Deposit Growth (YoY) | -9.38% | -90.55% | -92.43% | -91.02% | -96.48% | 208% | 448% | 294% | +38,536 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 | n/a | -0.02% | -0.01% | -0.01% | 0.00% | 12.30% | 7.40% | 8.52% | +853 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 | n/a | 26.03% | 28.45% | 26.64% | 27.52% | 22.18% | 24.00% | 39.04% | +1,240 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 | 98.76% | 1090% | 1199% | 900% | 2616% | 644% | 378% | 238% | -66,199 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 |