Bronx, NY · Cert 23713
FDIC
Q4 2009
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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.32% | -0.64% | -0.41% | -0.60% | -0.75% | -0.98% | -0.62% | -0.34% | +25 bps | |
| Return on Equity | -3.44% | -7.05% | -4.56% | -6.75% | -9.32% | -12.10% | -7.53% | -4.01% | +275 bps | |
| Net Interest Margin | 3.58% | 3.58% | 3.56% | 3.62% | 3.56% | 3.85% | 4.30% | 4.25% | +63 bps | |
| Efficiency Ratio | 96.80% | 92.96% | 89.96% | 91.89% | 84.18% | 99.95% | 91.53% | 86.49% | -540 bps | |
| Non-Interest Burden | 3.82% | 3.63% | 3.46% | 3.62% | 3.27% | 4.23% | 4.25% | 3.93% | +31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.76% | -2.17% | 1.87% | 3.27% | 9.33% | -0.22% | -6.73% | -6.57% | -984 bps | |
| Loan Growth (YoY) | 17.65% | 16.41% | 20.93% | 17.01% | 17.30% | 21.44% | 11.74% | -10.96% | -2,797 bps | |
| Deposit Growth (YoY) | 1.51% | -2.87% | 2.11% | 4.96% | 11.39% | -0.02% | -7.41% | -8.26% | -1,322 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 | 3.01% | 2.63% | 1.66% | 1.67% | 2.87% | 1.82% | 1.97% | 1.71% | +4 bps | |
| Allowance / Loans | 1.46% | 1.64% | 1.78% | 2.05% | 2.16% | 2.25% | 2.17% | 2.85% | +80 bps | |
| 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 | 12.59% | 11.95% | 11.84% | 11.39% | 11.29% | 10.38% | 10.81% | 14.70% | +331 bps | |
| Equity / Assets | 9.11% | 8.85% | 8.62% | 8.42% | 7.70% | 8.25% | 8.81% | 9.86% | +144 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 49.68% | 55.61% | 56.33% | 57.47% | 52.32% | 67.54% | 67.98% | 55.78% | -169 bps | |
| Liquid Assets / Assets | 0.69% | 0.20% | 0.18% | 0.47% | 0.42% | 0.25% | 1.03% | 9.14% | +867 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |