Richmond Hills, NY · Charter 24512
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 31, 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.
Richmond Hills, NY · Charter 24512
Q1 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 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.26% | 0.34% | 0.61% | 2.29% | -1.36% | -0.24% | -0.37% | -5.63% | -792 bps | |
| Return on Equity | -3.76% | 4.29% | 7.84% | 21.63% | -12.80% | -2.65% | -3.92% | -57.01% | -7,864 bps | |
| Net Interest Margin | 2.38% | 2.62% | 2.60% | 2.84% | 3.41% | 3.20% | 3.77% | 18.71% | +1,588 bps | |
| Efficiency Ratio | 84.21% | 73.92% | 70.88% | 25.51% | 137.98% | 106.91% | 109.08% | 127.23% | +10,172 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.52% | -4.95% | -1.10% | -19.80% | -31.39% | -14.70% | -27.60% | -18.22% | +158 bps | |
| Loan Growth (YoY) | -10.89% | 21.48% | 27.30% | -2.40% | -4.21% | -31.53% | -32.02% | -27.31% | -2,492 bps | |
| Share Growth (YoY) | 5.41% | -5.28% | -1.49% | -21.99% | -35.18% | -17.21% | -30.72% | -20.80% | +119 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.03% | 2.79% | 8.22% | 23.00% | 24.94% | 34.83% | 27.30% | 0.00% | -2,300 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 | 2.58% | 2.03% | 2.17% | 2.55% | 2.69% | 2.97% | 3.19% | 3.51% | +96 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.01% | 7.85% | 7.78% | 10.59% | 10.61% | 8.91% | 9.48% | 9.88% | -71 bps | |
| Net Worth / Assets | 7.01% | 7.85% | 7.78% | 10.59% | 10.61% | 8.91% | 9.48% | 9.88% | -71 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 21.88% | 29.80% | 26.32% | 29.46% | 32.33% | 24.64% | 25.82% | 27.03% | -242 bps | |
| Liquid Assets / Assets | 44.65% | 28.80% | 34.51% | 69.67% | 67.71% | 74.70% | 72.82% | 73.70% | +403 bps | |