PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

New York Commercial Bank

Flushing, NY · Cert 58059

FDIC

Q3 2006

$25.6MAssets
n/aLoans
n/aDeposits
$25.4MEquity
Deposit mix
100%Interest-bearing $00%Noninterest $0Q3 2005Q3 2006

NIM

1.99%Q4 ’052.50%Q2 ’062.53%Q3 ’06+26%+1%

Non-interest income vs. expense

0.06%Q4 ’050.03%Q2 ’060.00%Q3 ’06-51%-100%

Executive Summary

  • Earnings: ROA of 1.51%, up 151 bps year over year; NIM at 2.53%.

Financial Results

Return on Assets (quarter, annualized)

1.51%+151 bps YoY

Net Interest Margin (quarter, annualized)

2.53%+253 bps YoY

Efficiency Ratio (quarter, annualized)

0.00%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets0.00%1.91%1.44%1.47%1.51%+151 bps
Return on Equityn/a1.92%1.45%1.47%1.51%n/a
Net Interest Margin0.00%1.98%2.48%2.50%2.53%+253 bps
Efficiency Ration/a3.23%1.92%1.27%0.00%n/a
Non-Interest Burdenn/a0.06%0.05%0.03%0.00%n/a
Growth
Asset Growth (YoY)n/an/an/an/a2.36%n/an/a
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital500%498%499%498%496%-371 bps
Equity / Assets100.00%99.60%99.75%99.51%99.26%-74 bps
Liquidity & Funding
Loans / Depositsn/a0.00%n/an/an/an/an/a
Liquid Assets / Assets0.00%100.00%100.00%100.00%100.00%+10,000 bps
CRE / Total Capitaln/an/an/an/an/an/an/a