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Park Avenue Bank, National Association, The

New York, NY · Cert 27096

FDIC

Q4 2009

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2009, the quarter ended December 31, 2009, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Park Avenue Bank, National Association, The

New York, NY · Cert 27096

FDIC

Q4 2009

$520.1MAssets
$379.5MLoans
$494.5MDeposits
$-2888KEquity
Deposit mix
91%Interest-bearing $449.7M9%Noninterest $44.8MQ4 2008Q4 2009

NIM

6.78%Q4 ’076.22%Q4 ’085.66%Q4 ’09+10%-4%

Non-interest income vs. expense

3.54%Q4 ’073.09%Q4 ’083.73%Q4 ’09-20%+18%

Executive Summary

  • Earnings: ROA of -3.80%, down 234 bps year over year; NIM at 2.85%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 2.01%.
  • Funding: loans stand at 76.74% of deposits as of Q4 2009.

Financial Results

Return on Assets (YTD, annualized)

-3.80%-234 bps YoY

Net Interest Margin (YTD, annualized)

2.85%-13 bps YoY

Efficiency Ratio (YTD, annualized)

104.74%+1,668 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2008Q1 2009Q2 2009Q3 2009Q4 2009YoY ΔTrend
Earnings
Return on Assets-1.45%0.01%1-0.95%-1.59%-3.80%-234 bps
Return on Equity-42.48%0.84%-53.75%-84.55%-271%-22,830 bps
Net Interest Margin2.97%2.76%2.68%2.81%2.85%-13 bps
Efficiency Ratio88.07%91.47%90.66%93.83%104.74%+1,668 bps
Non-Interest Burden2.56%2.45%2.36%2.60%3.02%+46 bps
Growth
Asset Growth (YoY)25.45%19.81%16.47%17.37%5.23%-2,023 bps
Loan Growth (YoY)44.29%45.88%25.43%17.70%5.14%-3,916 bps
Deposit Growth (YoY)54.50%43.19%34.15%29.02%17.30%-3,720 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.47%0.97%1.61%1.91%2.01%+154 bps
Allowance / Loans1.61%1.33%1.52%1.86%4.60%+299 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital6.16%5.32%5.19%4.60%0.77%-539 bps
Equity / Assets1.80%1.78%1.74%2.21%-0.56%-236 bps
Liquidity & Funding
Loans / Deposits85.62%88.46%83.97%81.48%76.74%-888 bps
Liquid Assets / Assets1.16%0.90%1.51%1.52%0.54%-62 bps
CRE / Total Capitaln/an/an/an/an/an/an/a