New York, NY · Cert 33929
FDIC
Q4 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.93% | 2.25% | 0.81% | 1.87% | 8.24% | +531 bps | |
| Return on Equity | n/a | n/a | 0.88% | 2.05% | 9.00% | n/a | |
| Net Interest Margin | n/a | 2.31% | 1.85% | 1.69% | 1.12% | n/a | |
| Efficiency Ratio | n/a | 80.12% | 91.03% | 80.52% | 46.84% | n/a | |
| Non-Interest Burden | n/a | -0.88% | 0.37% | -1.34% | -11.71% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 3.31% | 4.51% | 1.78% | 2.44% | 3.28% | -3 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | n/a | 293% | 292% | 299% | 305% | n/a | |
| Equity / Assets | n/a | 91.33% | 91.35% | 91.49% | 91.71% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 0.00% | 38.21% | 39.35% | 40.53% | 41.78% | +4,178 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |