New York, NY · Cert 26787
FDIC
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 31, 2003, 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 26787
FDIC
Q1 2003
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 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.57% | -0.43% | -0.42% | -0.07% | 0.00% | -0.53% | -1.49% | -21.30% | -2,123 bps | |
| Return on Equity | n/a | n/a | n/a | -0.55% | 0.00% | -4.00% | -9.60% | -24.80% | -2,425 bps | |
| Net Interest Margin | 2.30% | 2.44% | 2.41% | 1.99% | 2.00% | 2.17% | 2.93% | 0.30% | -169 bps | |
| Efficiency Ratio | 107.95% | 109.73% | 108.12% | 123.98% | 117.02% | 149.91% | 165.65% | n/a | n/a | |
| Non-Interest Burden | 2.51% | 2.72% | 2.64% | 2.54% | 2.41% | 3.47% | 5.44% | 71.65% | +6,911 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -63.98% | -68.68% | -59.32% | -48.00% | -53.42% | -65.91% | -85.45% | -88.80% | -4,080 bps | |
| Loan Growth (YoY) | -27.19% | -24.02% | -23.19% | -16.47% | -9.65% | -17.48% | -94.61% | -100.00% | -8,353 bps | |
| Deposit Growth (YoY) | -89.88% | -93.39% | -93.48% | -68.01% | -30.19% | -37.40% | -100.00% | -100.00% | -3,199 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.49% | 0.00% | 0.00% | 0.00% | 3.60% | 29.30% | +2,930 bps | |
| 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 | 25.55% | 26.15% | 26.71% | 27.49% | 24.17% | 26.82% | 112.43% | 485% | +45,797 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 568% | 853% | 832% | 942% | 735% | 1125% | 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 |