New York, NY · Cert 27096
FDIC
Q4 2009
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
New York, NY · Cert 27096
FDIC
Q4 2009
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 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.22% | 0.25% | -0.48% | -1.45% | 0.01%1 | -0.95% | -1.59% | -3.80% | -234 bps | |
| Return on Equity | 4.41% | 5.57% | -12.29% | -42.48% | 0.84% | -53.75% | -84.55% | -271% | -22,830 bps | |
| Net Interest Margin | 2.91% | 3.15% | 3.07% | 2.97% | 2.76% | 2.68% | 2.81% | 2.85% | -13 bps | |
| Efficiency Ratio | 94.88% | 82.27% | 83.03% | 88.07% | 91.47% | 90.66% | 93.83% | 104.74% | +1,668 bps | |
| Non-Interest Burden | 2.74% | 2.51% | 2.46% | 2.56% | 2.45% | 2.36% | 2.60% | 3.02% | +46 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.10% | 21.25% | 18.71% | 25.45% | 19.81% | 16.47% | 17.37% | 5.23% | -2,023 bps | |
| Loan Growth (YoY) | 24.81% | 38.60% | 36.04% | 44.29% | 45.88% | 25.43% | 17.70% | 5.14% | -3,916 bps | |
| Deposit Growth (YoY) | 11.46% | 30.00% | 42.81% | 54.50% | 43.19% | 34.15% | 29.02% | 17.30% | -3,720 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 | 0.60% | 0.33% | 0.33% | 0.47% | 0.97% | 1.61% | 1.91% | 2.01% | +154 bps | |
| Allowance / Loans | 1.27% | 1.29% | 1.23% | 1.61% | 1.33% | 1.52% | 1.86% | 4.60% | +299 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 | 7.65% | 7.31% | 5.81% | 6.16% | 5.32% | 5.19% | 4.60% | 0.77% | -539 bps | |
| Equity / Assets | 4.63% | 3.74% | 2.12% | 1.80% | 1.78% | 1.74% | 2.21% | -0.56% | -236 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.83% | 89.81% | 89.32% | 85.62% | 88.46% | 83.97% | 81.48% | 76.74% | -888 bps | |
| Liquid Assets / Assets | 1.37% | 1.17% | 1.22% | 1.16% | 0.90% | 1.51% | 1.52% | 0.54% | -62 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |