New York, NY · Cert 57692
FDIC
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 30, 2011, 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 57692
FDIC
Q2 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 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.44% | 0.38% | 0.30% | 0.05% | -0.17% | -61 bps | |
| Return on Equity | 2.18% | 1.86% | 1.47% | 0.26% | -0.60% | -279 bps | |
| Net Interest Margin | 0.02% | 0.02% | 0.02% | 0.03% | 0.03% | +2 bps | |
| Efficiency Ratio | 99.67% | 99.72% | 99.78% | 99.95% | 100.38% | +71 bps | |
| Non-Interest Burden | -0.76% | -0.61% | -0.44% | -0.05% | 0.46% | +121 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -18.49% | -12.67% | -10.16% | -3.60% | -69.95% | -5,147 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 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 |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 29.18% | 24.30% | 25.73% | 25.61% | 293% | +26,392 bps | |
| Equity / Assets | 22.99% | 20.03% | 20.89% | 20.59% | 76.56% | +5,357 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 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 |