New York, NY · Charter 24283
Q1 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2008, the quarter ended March 31, 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 24283
Q1 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 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.08% | 0.56% | 0.55% | 0.35% | -3.76% | -2.63% | -7.96% | 0.50% | +15 bps | |
| Return on Equity | 13.14% | 7.80% | 7.10% | 4.12% | -55.76% | -39.06% | -2307% | 85.96% | +8,184 bps | |
| Net Interest Margin | 6.07% | 4.79% | 5.11% | 4.95% | 5.19% | 5.12% | 4.52% | 5.11% | +15 bps | |
| Efficiency Ratio | 83.43% | 88.81% | 89.55% | 92.35% | 87.58% | 92.44% | 99.58% | 97.35% | +501 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.24% | -6.95% | -2.29% | -11.97% | -7.09% | -19.60% | -9.60% | -25.22% | -1,325 bps | |
| Loan Growth (YoY) | 7.29% | 36.34% | -15.19% | -0.05% | -1.30% | -25.58% | -42.03% | -46.58% | -4,653 bps | |
| Share Growth (YoY) | 2.54% | -8.73% | -3.40% | -13.67% | -4.78% | -18.66% | -1.07% | -17.47% | -381 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 11.76% | 17.81% | 11.57% | 14.39% | 11.90% | 16.53% | 27.04% | 16.88% | +249 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 | 0.91% | 0.95% | 0.94% | 0.99% | 1.42% | 2.03% | 4.58% | 4.96% | +397 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.20% | 7.12% | 7.76% | 8.52% | 6.74% | 6.74% | 0.35% | 0.58% | -794 bps | |
| Net Worth / Assets | 8.20% | 7.12% | 7.76% | 8.52% | 6.74% | 6.74% | 0.35% | 0.58% | -794 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.20% | 50.16% | 57.39% | 62.03% | 60.33% | 45.89% | 33.63% | 40.15% | -2,188 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |