New York, NY · Cert 34542
FDIC
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 31, 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.
New York, NY · Cert 34542
FDIC
Q1 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 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.25% | 0.19% | 0.07% | -0.11% | 0.05% | 0.41% | 0.30% | 0.35% | +46 bps | |
| Return on Equity | 1.93% | 1.38% | 0.51% | -0.76% | 0.34% | 2.64% | 1.91% | 2.22% | +298 bps | |
| Net Interest Margin | 3.83% | 4.14% | 4.33% | 4.45% | 4.79% | 5.05% | 5.14% | 4.87% | +42 bps | |
| Efficiency Ratio | 87.77% | 90.74% | 94.93% | 103.73% | 99.12% | 88.97% | 90.50% | 88.27% | -1,546 bps | |
| Non-Interest Burden | 3.04% | 3.50% | 3.97% | 4.68% | 4.73% | 4.26% | 4.46% | 4.07% | -61 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.35% | -21.77% | -14.09% | -15.20% | -17.10% | -12.19% | -8.09% | -4.82% | +1,038 bps | |
| Loan Growth (YoY) | -9.11% | -13.83% | -16.68% | -19.74% | -4.16% | -2.54% | 4.25% | 3.51% | +2,325 bps | |
| Deposit Growth (YoY) | -12.27% | -24.49% | -16.07% | -16.87% | -19.67% | -14.50% | -9.39% | -6.06% | +1,081 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 | 1.24% | 1.09% | 0.56% | -0.06% | -0.05% | 0.15% | 0.30% | 0.52% | +58 bps | |
| Allowance / Loans | n/a | n/a | n/a | 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 | 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 | 23.80% | 25.89% | 25.50% | 26.73% | 25.45% | 27.71% | 25.99% | 26.85% | +12 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 54.15% | 57.51% | 52.04% | 53.48% | 64.60% | 65.55% | 59.87% | 58.93% | +545 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 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 | n/a | n/a | n/a |