Warwick, NY · Cert 57202
FDIC
Q3 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.71% | 0.44% | 0.60% | 0.73% | 0.90% | 1.23% | 0.79% | 0.96% | +23 bps | |
| Return on Equity | 3.23% | 4.18% | 6.63% | 4.93% | 5.26% | 6.15% | 3.24% | 3.35% | -159 bps | |
| Net Interest Margin | 1.96% | 1.25% | 1.72% | 1.73% | 2.06% | 2.64% | 1.91% | 2.29% | +56 bps | |
| Efficiency Ratio | 40.54% | 36.59% | 23.97% | 34.83% | 38.14% | 28.57% | 46.27% | 42.65% | +782 bps | |
| Non-Interest Burden | 0.79% | 0.46% | 0.41% | 0.60% | 0.78% | 0.75% | 0.89% | 0.98% | +38 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.57% | 289% | 64.51% | 33.69% | 25.50% | -68.45% | -49.16% | -43.97% | -7,766 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | -17.19% | 388% | 29.75% | 26.85% | 16.94% | -80.61% | -39.97% | -47.08% | -7,393 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 89.45% | 32.12% | 71.87% | 79.40% | 87.78% | 107.41% | 71.36% | 135.60% | +5,620 bps | |
| Equity / Assets | 22.27% | 6.85% | 13.61% | 16.30% | 18.10% | 22.16% | 27.41% | 30.28% | +1,398 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Liquid Assets / Assets | 15.02% | 63.60% | 3.97% | 11.37% | 12.04% | 14.19% | 14.12% | 14.61% | +324 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |