New York, NY · Cert 34061
FDIC
Q4 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2007, the quarter ended December 31, 2007, 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 34061
FDIC
Q4 2007
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 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.20% | 1.07% | 1.02% | -0.05% | 0.35% | -85 bps | |
| Return on Equity | 11.12% | 9.38% | 8.91% | -0.29% | 1.85% | -928 bps | |
| Net Interest Margin | 1.98% | 2.03% | 1.96% | 0.73% | 0.92% | -106 bps | |
| Efficiency Ratio | 77.31% | 78.13% | 79.33% | 78.25% | 68.93% | -839 bps | |
| Non-Interest Burden | 0.27% | 0.32% | 0.34% | 0.81% | 0.60% | +33 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 47.52% | -0.31% | 2.02% | 17.06% | 18.30% | -2,922 bps | |
| Loan Growth (YoY) | 24.83% | 7.00% | 6.55% | 4.00% | 1.82% | -2,302 bps | |
| Deposit Growth (YoY) | 69.20% | 7.72% | 23.08% | -15.55% | -15.00% | -8,419 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.00% | 0.01% | +1 bps | |
| 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 | 12.09% | 12.73% | 12.04% | 17.64% | 17.70% | +561 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Deposits | 76.92% | 84.78% | 84.91% | 100.18% | 92.14% | +1,522 bps | |
| Liquid Assets / Assets | 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 |