Queens Village, NY · Charter 22588
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 2006, 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.
Queens Village, NY · Charter 22588
Q3 2006
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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.71% | 0.27% | 0.46% | 0.52% | 0.45% | -0.68% | -0.68% | -0.39% | -91 bps | |
| Return on Equity | -8.10% | 3.27% | 5.33% | 5.74% | 4.72% | -7.65% | -7.76% | -4.51% | -1,025 bps | |
| Net Interest Margin | 4.19% | 3.90% | 4.06% | 4.15% | 4.44% | 4.46% | 4.36% | 4.45% | +30 bps | |
| Efficiency Ratio | 94.47% | 94.64% | 91.19% | 89.49% | 91.51% | 111.95% | 112.23% | 106.05% | +1,656 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.08% | 1.69% | 0.18% | -3.57% | -3.84% | -4.10% | -2.17% | 0.08% | +365 bps | |
| Loan Growth (YoY) | -4.60% | -9.76% | -11.41% | -19.42% | -13.75% | -18.45% | -18.90% | -20.46% | -104 bps | |
| Share Growth (YoY) | 0.99% | 0.16% | 1.00% | -3.36% | -3.90% | -2.49% | -2.82% | 0.45% | +381 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.70% | 2.70% | 4.53% | 3.78% | 1.97% | 5.43% | 5.28% | 2.44% | -134 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 | 2.34% | 2.72% | 2.76% | 3.04% | 1.66% | 1.91% | 1.95% | 1.58% | -146 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.74% | 8.36% | 8.65% | 9.00% | 9.54% | 8.90% | 8.70% | 8.73% | -26 bps | |
| Net Worth / Assets | 8.74% | 8.36% | 8.65% | 9.00% | 9.54% | 8.90% | 8.70% | 8.73% | -26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.10% | 33.25% | 31.07% | 31.21% | 33.29% | 27.81% | 25.93% | 24.71% | -650 bps | |
| Liquid Assets / Assets | 16.22% | 16.98% | 18.32% | 22.71% | 18.22% | 31.89% | 0.00% | 0.00% | -2,271 bps | |