New York, NY · Cert 21844
FDIC
Q3 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.41% | 2.34% | -1.77% | -2.34% | -0.47% | 0.04%1 | -231 bps | |
| Return on Equity | n/a | n/a | 1.80% | 11.55% | -9.16% | -12.23% | -2.58% | 0.18% | -1,137 bps | |
| Net Interest Margin | n/a | 2.09% | 2.38% | 1.21% | 1.94% | 2.72% | 2.19% | 1.88% | +67 bps | |
| Efficiency Ratio | n/a | 49.72% | 83.16% | 38.03% | 34.49% | 71.83% | 88.24% | 82.65% | +4,462 bps | |
| Non-Interest Burden | n/a | 0.66% | 1.93% | -0.34% | 0.15% | 1.56% | 1.80% | 1.03% | +136 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% | 0.00% | 0.00% | 0.00% | 12.30% | 0.72% | 0.38% | +38 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 |