New York, NY · Charter 23969
Q3 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2008, the quarter ended September 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 23969
Q3 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 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.65% | 6.34% | 3.75% | 3.27% | 2.96% | 2.00% | 3.88% | -124.30% | -12,757 bps | |
| Return on Equity | 12.81% | 20.24% | 12.45% | 10.06% | 9.61% | 7.77% | n/a | n/a | n/a | |
| Net Interest Margin | 5.98% | 6.76% | 7.23% | 6.78% | 6.45% | 11.19% | 7.57% | 9.12% | +234 bps | |
| Efficiency Ratio | 25.15% | 11.74% | 50.58% | 53.04% | 56.43% | 82.15% | 49.92% | 41.35% | -1,168 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.22% | -14.40% | -12.88% | -13.56% | 2.83% | -3.32% | -31.37% | -67.65% | -5,409 bps | |
| Loan Growth (YoY) | 19.07% | 30.22% | 19.40% | 48.00% | 2.53% | -3.03% | 6.06% | -68.19% | -11,619 bps | |
| Share Growth (YoY) | -10.23% | -23.90% | -20.81% | -22.95% | 0.42% | 5.47% | -36.33% | -43.80% | -2,085 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 1.80% | 2.70% | 2.53% | 76.30% | 81.53% | 29.72% | +2,702 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 | 5.99% | 6.21% | 6.90% | 6.26% | 5.85% | 6.40% | 6.50% | 12.01% | +575 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 28.52% | 31.32% | 30.11% | 32.47% | 30.84% | 25.72% | -31.89% | -17.32% | -4,979 bps | |
| Net Worth / Assets | 28.52% | 31.32% | 30.11% | 32.47% | 30.84% | 25.72% | -31.89% | -17.32% | -4,979 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.87% | 84.79% | 71.35% | 83.24% | 82.57% | 77.95% | 118.87% | 47.12% | -3,613 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |