New York, NY · Cert 26378
FDIC
Q2 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | 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 bps | |
| Return on Equity | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Interest Margin | 3.46% | -0.80% | 2.39% | 2.07% | 1.32% | -214 bps | |
| Efficiency Ratio | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 0 bps | |
| Non-Interest Burden | 3.46% | -0.80% | 2.39% | 2.07% | 1.32% | -214 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.66% | -3.15% | -11.84% | -2.70% | -10.21% | -2,087 bps | |
| Loan Growth (YoY) | -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 |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | 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 |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 85.08% | 85.44% | 85.68% | 88.24% | 88.76% | +368 bps | |
| Equity / Assets | 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 |
| Liquid Assets / Assets | 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 |