New York, NY · Charter 23333
Q2 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2008, the quarter ended June 30, 2008, 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 · Charter 23333
Q2 2008
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 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.69% | 2.69% | -1.27% | -2.09% | -1.88% | -1.65% | 0.32% | 0.17% | +226 bps | |
| Return on Equity | 15.30% | 20.66% | -10.07% | -16.87% | -16.10% | -13.98% | 5.94% | 0.30% | +1,717 bps | |
| Net Interest Margin | 1.97% | 4.17% | 5.18% | 4.83% | 4.70% | 4.38% | 1.93% | 10.41% | +558 bps | |
| Efficiency Ratio | 267% | 138.02% | 124.20% | 142.81% | 140.04% | 137.31% | 83.61% | 98.36% | -4,445 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.40% | -1.32% | -2.35% | -8.51% | -9.00% | -3.05% | -9.86% | -91.14% | -8,263 bps | |
| Loan Growth (YoY) | -24.08% | 1.78% | 0.56% | -12.57% | -44.09% | -46.24% | -100.00% | -100.00% | -8,743 bps | |
| Share Growth (YoY) | -1.49% | -0.37% | -0.71% | -6.16% | -10.45% | -3.56% | -3.73% | -95.74% | -8,958 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 10.07% | 7.71% | 19.54% | 80.36% | 13.68% | 33.22% | n/a | n/a | n/a | |
| 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 | 3.66% | 3.12% | 5.61% | 6.01% | 7.80% | 6.93% | n/a | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 11.07% | 13.01% | 12.65% | 12.41% | 11.67% | 11.77% | 5.33% | 57.33% | +4,492 bps | |
| Net Worth / Assets | 11.07% | 13.01% | 12.65% | 12.41% | 11.67% | 11.77% | 5.33% | 57.33% | +4,492 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 14.37% | 17.26% | 11.43% | 11.05% | 8.97% | 9.62% | 0.00% | 0.00% | -1,105 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |