New York, NY · Cert 27292
FDIC
Q3 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2001, the quarter ended September 30, 2001, 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 27292
FDIC
Q3 2001
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 | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.60% | 0.71% | 0.73% | 0.72% | 0.71% | 0.19% | 0.27% | 0.34% | -38 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 2.93% | 2.94% | 3.11% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 85.10% | 84.86% | 83.37% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | n/a | 2.34% | 2.33% | 2.41% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.37% | -1.02% | -0.89% | 1.61% | 13.89% | 1.40% | -2.56% | -8.91% | -1,053 bps | |
| Loan Growth (YoY) | -6.64% | -2.17% | -3.21% | -2.99% | -2.42% | -7.24% | -10.06% | -16.10% | -1,311 bps | |
| Deposit Growth (YoY) | -5.49% | -1.40% | -1.85% | 0.00% | 10.23% | -16.46% | -15.51% | -19.15% | -1,916 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 | n/a | n/a | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | n/a | |
| 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 | n/a | n/a | n/a | n/a | n/a | 12.56% | 13.13% | 14.08% | n/a | |
| 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 | 39.35% | 39.03% | 39.37% | 40.08% | 34.84% | 43.34% | 41.91% | 41.59% | +151 bps | |
| 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 |