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 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.07% | 0.00% | -0.53% | -1.49% | -21.30% | -2,123 bps | |
| Return on Equity | -0.55% | 0.00% | -4.00% | -9.60% | -24.80% | -2,425 bps | |
| Net Interest Margin | 1.99% | 2.00% | 2.17% | 2.93% | 0.30% | -169 bps | |
| Efficiency Ratio | 123.98% | 117.02% | 149.91% | 165.65% | n/a | n/a | |
| Non-Interest Burden | 2.54% | 2.41% | 3.47% | 5.44% | 71.65% | +6,911 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -48.00% | -53.42% | -65.91% | -85.45% | -88.80% | -4,080 bps | |
| Loan Growth (YoY) | -16.47% | -9.65% | -17.48% | -94.61% | -100.00% | -8,353 bps | |
| Deposit Growth (YoY) | -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% | n/a | n/a | |
| Net Charge-Offs / Loans | 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 |
| 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 | 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 |
| Liquidity & Funding | |||||||
| Loans / Deposits | 942% | 735% | 1125% | 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 |