Flushing, NY · Cert 58059
FDIC
Q3 2006
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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.00% | 0.48% | 1.44% | 1.45% | 1.47% | +147 bps | |
| Return on Equity | n/a | n/a | 1.45% | 1.46% | 1.48% | n/a | |
| Net Interest Margin | 0.00% | 0.49% | 2.48% | 2.48% | 2.49% | +249 bps | |
| Efficiency Ratio | n/a | 3.23% | 1.92% | 1.59% | 1.05% | n/a | |
| Non-Interest Burden | 0.00% | 0.02% | 0.05% | 0.04% | 0.03% | +3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | 2.36% | n/a | n/a |
| 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 | 500% | 498% | 499% | 498% | 496% | -371 bps | |
| Equity / Assets | 100.00% | 99.60% | 99.75% | 99.51% | 99.26% | -74 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | 0.00% | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 0.00% | 100.00% | 100.00% | 100.00% | 100.00% | +10,000 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |