Southampton, NY · Cert 34624
FDIC
Q1 2011
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 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.27%1 | 0.30% | 0.26% | 0.23%1 | -0.46% | -73 bps | |
| Return on Equity | 3.52% | 3.89% | 3.34% | 3.11% | -6.82% | -1,034 bps | |
| Net Interest Margin | 3.84% | 3.75% | 3.57% | 3.72% | 3.59% | -25 bps | |
| Efficiency Ratio | 91.14% | 89.69% | 91.23% | 92.70% | 108.47% | +1,733 bps | |
| Non-Interest Burden | 3.47% | 3.32% | 3.23% | 3.42% | 3.92% | +45 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.44% | -0.74% | 2.64% | 7.51% | 6.67% | +623 bps | |
| Loan Growth (YoY) | -2.56% | -2.86% | -4.35% | -6.46% | -7.82% | -526 bps | |
| Deposit Growth (YoY) | -0.07% | 2.18% | 10.96% | 5.28% | 9.19% | +927 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.05% | 0.50% | 0.51% | 0.41% | 0.06% | -99 bps | |
| Allowance / Loans | 1.45% | 1.54% | 1.59% | 1.67% | 1.67% | +22 bps | |
| 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 | 11.21% | 11.26% | 11.67% | 11.98% | 11.73% | +51 bps | |
| Equity / Assets | 7.91% | 7.69% | 7.82% | 6.80% | 6.69% | -122 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 83.72% | 76.48% | 66.36% | 70.99% | 70.68% | -1,304 bps | |
| Liquid Assets / Assets | 0.22% | 0.20% | 0.18% | 0.19% | 0.20% | -2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |