Brooklyn, NY · Cert 33199
FDIC
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 2006, 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.
Brooklyn, NY · Cert 33199
FDIC
Q2 2006
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.81% | 0.50% | 0.28% | 0.30% | 0.39% | 0.13% | 0.12% | 0.17% | -13 bps | |
| Return on Equity | 15.90% | 9.86% | 5.82% | 6.31% | 7.97% | 2.64% | 2.69% | 3.77% | -254 bps | |
| Net Interest Margin | 3.68% | 3.68% | 3.94% | 3.69% | 3.68% | 3.62% | 3.45% | 3.16% | -53 bps | |
| Efficiency Ratio | 68.71% | 75.38% | 81.95% | 81.67% | 78.36% | 79.59% | 87.81% | 85.85% | +418 bps | |
| Non-Interest Burden | 1.93% | 2.34% | 3.15% | 2.92% | 2.74% | 2.74% | 2.98% | 2.62% | -30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 35.23% | 12.67% | 15.42% | 10.46% | 7.68% | 5.12% | -1.87% | 2.84% | -761 bps | |
| Loan Growth (YoY) | 20.60% | 5.55% | 4.35% | 5.86% | 8.71% | 14.26% | 6.05% | 2.50% | -335 bps | |
| Deposit Growth (YoY) | 35.20% | 13.98% | 20.03% | 17.24% | 13.81% | 8.60% | 1.88% | 5.02% | -1,222 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 | 0.24% | 0.32% | 1.55% | 1.28% | 0.81% | 0.74% | 3.37% | 1.54% | +26 bps | |
| Allowance / Loans | 1.54% | 1.91% | 1.58% | 1.34% | 1.44% | 2.01% | 1.37% | 1.55% | +21 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 | 11.21% | 11.06% | 10.61% | 10.58% | 10.49% | 9.80% | 10.06% | 10.02% | -56 bps | |
| Equity / Assets | 5.31% | 5.03% | 4.60% | 4.87% | 4.92% | 4.61% | 4.62% | 4.27% | -59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.50% | 68.64% | 66.36% | 67.73% | 70.21% | 72.22% | 69.08% | 66.11% | -162 bps | |
| Liquid Assets / Assets | 2.48% | 2.72% | 2.67% | 2.22% | 2.14% | 2.23% | 1.91% | 1.89% | -33 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |