Flushing, NY · Cert 26673
FDIC
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.
Flushing, NY · Cert 26673
FDIC
Q1 2006
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 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.77% | 0.75% | 0.78% | 0.70% | 0.75% | 0.85% | 0.80% | -5.41% | -611 bps | |
| Return on Equity | 7.42% | 7.39% | 7.63% | 6.78% | 7.38% | 8.40% | 8.02% | -59.32% | -6,610 bps | |
| Net Interest Margin | 3.71% | 3.59% | 3.55% | 3.89% | 3.92% | 3.94% | 3.92% | 4.42% | +53 bps | |
| Efficiency Ratio | 70.80% | 70.88% | 69.97% | 73.42% | 72.18% | 69.96% | 71.04% | 183.06% | +10,964 bps | |
| Non-Interest Burden | 2.30% | 2.23% | 2.17% | 2.59% | 2.54% | 2.44% | 2.49% | 8.90% | +631 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.81% | 9.03% | 4.79% | 6.62% | 4.84% | 3.74% | 7.48% | 8.28% | +166 bps | |
| Loan Growth (YoY) | 6.61% | 13.14% | 9.39% | 10.14% | 16.88% | 16.11% | 14.58% | 12.69% | +255 bps | |
| Deposit Growth (YoY) | 6.46% | 9.74% | 4.91% | 7.16% | 5.15% | 3.86% | 8.10% | 10.31% | +315 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.11% | -0.10% | 0.00% | -0.25% | -0.20% | -0.16% | -0.01% | -0.08% | +17 bps | |
| Allowance / Loans | 1.30% | 1.28% | 1.18% | 1.23% | 1.17% | 1.12% | 0.99% | 1.06% | -17 bps | |
| 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 | 15.34% | 14.83% | 14.85% | 15.21% | 13.97% | 13.85% | 13.94% | 12.19% | -301 bps | |
| Equity / Assets | 10.07% | 9.87% | 10.13% | 10.43% | 9.93% | 9.84% | 9.74% | 8.49% | -195 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.01% | 67.33% | 69.72% | 71.86% | 75.59% | 75.27% | 73.90% | 73.41% | +155 bps | |
| Liquid Assets / Assets | 10.63% | 10.17% | 9.53% | 9.02% | 7.16% | 6.92% | 6.42% | 6.15% | -288 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |