PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Commercial Bank of New York

New York, NY · Cert 27292

FDIC

Q3 2001

$1.3BAssets
$408.0MLoans
$981.0MDeposits
$113.0MEquity
Deposit mix
78%Interest-bearing $768.7M22%Noninterest $212.3MQ3 2000Q3 2001

NIM

6.57%Q1 ’016.07%Q2 ’015.80%Q3 ’01-3%+8%

Non-interest income vs. expense

3.39%Q1 ’013.31%Q2 ’013.34%Q3 ’01-4%+1%

Executive Summary

  • Earnings: ROA of 0.49%, down 23 bps year over year; NIM at 3.09%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 41.59% of deposits as of Q3 2001.

Financial Results

Return on Assets (quarter, annualized)

0.49%-23 bps YoY

Net Interest Margin (quarter, annualized)

3.09%

Efficiency Ratio (quarter, annualized)

80.30%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets0.72%0.71%0.19%0.36%0.49%-23 bps
Return on Equityn/an/an/a4.85%6.09%n/a
Net Interest Marginn/an/a2.93%2.85%3.09%n/a
Efficiency Ration/an/a85.10%84.62%80.30%n/a
Non-Interest Burdenn/an/a2.34%2.25%2.27%n/a
Growth
Asset Growth (YoY)1.61%13.89%1.40%-2.56%-8.91%-1,053 bps
Loan Growth (YoY)-2.99%-2.42%-7.24%-10.06%-16.10%-1,311 bps
Deposit Growth (YoY)0.00%10.23%-16.46%-15.51%-19.15%-1,916 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/a0.00%0.00%0.00%n/a
Allowance / Loansn/an/an/an/an/an/an/a
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 Capitaln/an/a12.56%13.13%14.08%n/a
Equity / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits40.08%34.84%43.34%41.91%41.59%+151 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a