New York, NY · Cert 33142
FDIC
Q4 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.02% | 1.04% | 0.98% | 1.03% | 0.89% | 0.42% | 0.96% | 0.63% | -40 bps | |
| Return on Equity | 11.38% | 12.25% | 11.46% | 12.05% | 10.66% | 5.12% | 11.55% | 7.23% | -481 bps | |
| Net Interest Margin | 4.52% | 4.20% | 4.23% | 4.16% | 4.06% | 4.10% | 4.19% | 3.94% | -22 bps | |
| Efficiency Ratio | 61.05% | 58.84% | 60.47% | 58.74% | 63.20% | 82.46% | 60.53% | 64.01% | +527 bps | |
| Non-Interest Burden | 2.44% | 2.15% | 2.28% | 2.17% | 2.33% | 3.27% | 2.29% | 2.29% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.88% | 16.51% | 19.40% | 24.19% | 16.02% | 14.24% | 11.71% | 3.61% | -2,057 bps | |
| Loan Growth (YoY) | 3.93% | 9.25% | 8.15% | 9.14% | 6.60% | -0.34% | -1.53% | -3.28% | -1,242 bps | |
| Deposit Growth (YoY) | 15.99% | 17.49% | 20.87% | 26.45% | 17.17% | 14.27% | 11.51% | 2.70% | -2,375 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 | -0.02% | 0.10% | -0.07% | 0.32% | -0.12% | 0.05% | -0.01% | 0.69% | +37 bps | |
| Allowance / Loans | 1.28% | 1.20% | 1.23% | 1.17% | 1.27% | 1.26% | 1.29% | 1.35% | +17 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 | 13.79% | 13.38% | 13.55% | 13.56% | 13.70% | 13.93% | 14.30% | 14.83% | +127 bps | |
| Equity / Assets | 8.52% | 8.48% | 8.54% | 8.52% | 8.25% | 8.19% | 8.44% | 8.96% | +44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 60.01% | 61.83% | 61.72% | 60.21% | 54.60% | 53.92% | 54.50% | 56.71% | -350 bps | |
| Liquid Assets / Assets | 25.78% | 26.65% | 25.99% | 29.52% | 34.32% | 36.66% | 36.43% | 36.39% | +688 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |