New York, NY · Cert 26378
FDIC
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 · Cert 26378
FDIC
Q2 2008
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 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Return on Equity | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Interest Margin | 3.82% | 2.85% | 0.00% | 1.73% | 0.89% | 1.26% | 2.07% | 1.71% | -2 bps | |
| Efficiency Ratio | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 0 bps | |
| Non-Interest Burden | 3.82% | 2.85% | 0.00% | 1.73% | 0.89% | 1.26% | 2.07% | 1.71% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -33.81% | -36.66% | 2.13% | 10.66% | -3.15% | -11.84% | -2.70% | -10.21% | -2,087 bps | |
| Loan Growth (YoY) | -100.00% | -100.00% | -100.00% | -100.00% | n/a | n/a | n/a | n/a | n/a | |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | 0.00% | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 136.40% | 114.85% | 153.70% | 85.08% | 85.44% | 85.68% | 88.24% | 88.76% | +368 bps | |
| Equity / Assets | 86.34% | 78.64% | 89.31% | 82.90% | 83.08% | 83.31% | 85.73% | 86.22% | +333 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |