White Plains, NY · Cert 26778
FDIC
Q4 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.62% | -3.70% | -5.13% | -11.70% | -3.78% | -8.97% | -2.85% | -15.49% | -379 bps | |
| Return on Equity | -39.42% | -48.48% | -57.34% | -157.04% | -68.90% | -250% | -68.59% | -371% | -21,347 bps | |
| Net Interest Margin | 3.47% | 3.08% | 2.87% | 3.05% | 2.58% | 2.23% | 2.25% | 2.90% | -15 bps | |
| Efficiency Ratio | 163.95% | 203% | 262% | 248% | 222% | 257% | 226% | 222% | -2,581 bps | |
| Non-Interest Burden | 6.11% | 6.87% | 8.30% | 8.53% | 6.45% | 6.62% | 5.85% | 6.93% | -160 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.59% | -11.06% | -14.54% | -8.28% | -4.17% | 1.95% | 13.97% | 6.70% | +1,498 bps | |
| Loan Growth (YoY) | -21.12% | -17.49% | -21.30% | -11.24% | -9.89% | -4.70% | 35.77% | 34.98% | +4,623 bps | |
| Deposit Growth (YoY) | -3.93% | -7.78% | -10.51% | -10.76% | -2.80% | 9.31% | 17.79% | 15.97% | +2,674 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 | 0.00% | 0.00% | -4.18% | -0.29% | 0.00% | 16.88% | 0.00% | 15.84% | +1,613 bps | |
| Allowance / Loans | 2.25% | 2.31% | 3.63% | 6.24% | 6.04% | 3.49% | 2.74% | 2.56% | -368 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 | 12.63% | 17.25% | 16.67% | 11.55% | 9.76% | 5.04% | 12.36% | 5.92% | -564 bps | |
| Equity / Assets | 6.09% | 9.12% | 8.77% | 6.10% | 4.89% | 2.41% | 5.85% | 2.36% | -374 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.66% | 69.49% | 66.99% | 69.64% | 66.44% | 60.58% | 77.22% | 81.06% | +1,142 bps | |
| Liquid Assets / Assets | 2.01% | 7.73% | 2.43% | 0.37% | 0.36% | 0.33% | 0.56% | 0.44% | +6 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |