PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Liberty Bank of New York

New York, NY · Cert 34542

FDIC

Q1 2006

$55.9MAssets
$27.5MLoans
$46.6MDeposits
$9.0MEquity
Deposit mix
61%Interest-bearing $28.3M39%Noninterest $18.4MQ2 2004Q1 2006

Executive Summary

  • Earnings: ROA of 0.35%, up 46 bps year over year; NIM at 4.87%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.52%.
  • Funding: loans stand at 58.93% of deposits as of Q1 2006.

Return on Assets (quarter, annualized)

0.35%+46 bps YoY

Net Interest Margin (quarter, annualized)

4.87%+42 bps YoY

Efficiency Ratio (quarter, annualized)

88.27%-1,546 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

4.56%Q1 ’045.11%Q1 ’056.36%Q1 ’06+14%+9%

Non-interest income vs. expense

5.42%Q1 ’046.46%Q1 ’055.99%Q1 ’06+47%-13%

Discrete quarter, annualized.

MetricQ2 2004Q3 2004Q4 2004Q1 2005Q2 2005Q3 2005Q4 2005Q1 2006YoY ΔTrend
Earnings
Return on Assets0.29%0.04%-0.31%-0.11%0.22%1.21%-0.04%0.35%+46 bps
Return on Equity2.17%0.26%-2.10%-0.76%1.44%7.23%-0.27%2.22%+298 bps
Net Interest Margin3.66%4.01%4.29%4.45%4.85%5.34%5.12%4.87%+42 bps
Efficiency Ratio87.15%97.04%109.22%103.73%94.79%69.84%95.32%88.27%-1,546 bps
Non-Interest Burden2.82%3.81%4.88%4.68%4.48%3.10%4.79%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 / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans3.09%0.57%-1.10%-0.06%-0.05%0.57%0.77%0.52%+58 bps
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital23.80%25.89%25.50%26.73%25.45%27.71%25.99%26.85%+12 bps
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits54.15%57.51%52.04%53.48%64.60%65.55%59.87%58.93%+545 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a