Lakewood, NY · Cert 34088
FDIC
Q1 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | 0.18% | 0.67% | 0.94% | 0.79% | 0.82% | 0.86% | 0.88% | -7 bps | |
| Return on Equity | 10.11% | 3.25% | 12.34% | 16.72% | 14.42% | 15.25% | 15.47% | 15.64% | -108 bps | |
| Net Interest Margin | 2.21% | 2.18% | 2.54% | 2.78% | 2.87% | 2.91% | 2.93% | 2.93% | +15 bps | |
| Efficiency Ratio | 70.81% | 73.31% | 64.31% | 59.33% | 61.72% | 58.67% | 56.27% | 57.27% | -206 bps | |
| Non-Interest Burden | 1.46% | 1.50% | 1.52% | 1.52% | 1.64% | 1.55% | 1.50% | 1.55% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 32.56% | 30.86% | 22.06% | 14.11% | 11.62% | 9.80% | 13.06% | 13.59% | -52 bps | |
| Loan Growth (YoY) | 38.08% | 38.40% | 35.81% | 30.78% | 32.23% | 31.15% | 25.13% | 21.19% | -959 bps | |
| Deposit Growth (YoY) | 32.06% | 31.88% | 22.05% | 13.76% | 12.08% | 9.70% | 12.95% | 13.86% | +10 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 | 0.00% | 0.01% | 0.00% | 0.01% | 0.04% | 0.03% | 0.00% | 0.13% | +12 bps | |
| Allowance / Loans | 0.90% | 0.92% | 0.93% | 0.94% | 0.90% | 0.90% | 0.95% | 0.98% | +4 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 | 10.33% | 10.40% | 10.74% | 11.14% | 10.57% | 10.25% | 10.23% | 10.81% | -34 bps | |
| Equity / Assets | 5.54% | 5.38% | 5.44% | 5.82% | 5.20% | 5.51% | 5.59% | 5.59% | -22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 53.11% | 53.06% | 57.21% | 59.65% | 62.66% | 63.43% | 63.37% | 63.49% | +384 bps | |
| Liquid Assets / Assets | 3.68% | 6.00% | 3.06% | 11.58% | 8.15% | 7.88% | 10.66% | 10.59% | -99 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |