New York, NY · Cert 27096
FDIC
Q4 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.28% | -1.82% | -4.14% | 0.01%1 | -1.88% | -2.82% | -10.19% | -605 bps | |
| Return on Equity | 4.41% | 6.74% | -62.27% | -211% | 0.84% | -106.75% | -142.51% | -1183% | -97,133 bps | |
| Net Interest Margin | 2.91% | 3.76% | 3.12% | 3.05% | 2.76% | 2.66% | 3.21% | 2.77% | -27 bps | |
| Efficiency Ratio | 94.88% | 73.40% | 84.45% | 101.94% | 91.47% | 89.80% | 99.37% | 137.74% | +3,580 bps | |
| Non-Interest Burden | 2.74% | 2.63% | 2.54% | 3.12% | 2.45% | 2.33% | 3.19% | 4.11% | +99 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% | 0.15% | 0.36% | 0.96% | 0.97% | 2.25% | 2.49% | 2.12% | +116 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 |