Warwick, NY · Cert 57202
FDIC
Q3 2004
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 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.68% | 0.44% | 0.61% | 0.64% | 0.69% | 1.23% | 1.03% | 1.00% | +36 bps | |
| Return on Equity | 3.16% | 4.18% | 5.41% | 5.25% | 5.25% | 6.15% | 4.70% | 4.24% | -101 bps | |
| Net Interest Margin | 1.79% | 1.25% | 1.45% | 1.89% | 2.06% | 2.64% | 2.46% | 2.70% | +81 bps | |
| Efficiency Ratio | 43.38% | 36.59% | 29.06% | 30.82% | 32.65% | 28.57% | 35.47% | 37.50% | +668 bps | |
| Non-Interest Burden | 0.77% | 0.46% | 0.42% | 0.58% | 0.67% | 0.75% | 0.87% | 1.01% | +43 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 |