New York, NY · Cert 58071
FDIC
Q4 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2009, the quarter ended December 31, 2009, 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 58071
FDIC
Q4 2009
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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.76% | -2.16% | -2.06% | -4.60% | -1.36% | -3.12% | -5.55% | -4.68% | -8 bps | |
| Return on Equity | -21.10% | -25.23% | -24.25% | -57.20% | -22.03% | -52.90% | -106.94% | -101.18% | -4,397 bps | |
| Net Interest Margin | 2.89% | 2.48% | 2.53% | 2.62% | 2.86% | 2.79% | 2.58% | 2.36% | -26 bps | |
| Efficiency Ratio | 133.71% | 136.00% | 128.11% | 129.70% | 115.90% | 136.64% | 176.02% | 173.65% | +4,395 bps | |
| Non-Interest Burden | 3.87% | 3.42% | 3.28% | 3.44% | 3.36% | 3.88% | 4.64% | 4.24% | +80 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 35.34% | 45.38% | 30.09% | 9.32% | 0.38% | -17.86% | -20.52% | -14.63% | -2,395 bps | |
| Loan Growth (YoY) | 71.69% | 34.06% | 23.96% | 10.13% | 5.99% | 0.12% | -5.71% | -7.91% | -1,805 bps | |
| Deposit Growth (YoY) | 34.46% | 48.16% | 32.46% | 12.15% | 3.48% | -15.64% | -15.89% | -11.07% | -2,322 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.47% | 0.35% | 1.52% | 0.00% | 1.20% | 1.12% | 2.99% | +147 bps | |
| Allowance / Loans | 1.27% | 1.53% | 1.89% | 2.93% | 3.18% | 3.75% | 5.59% | 3.74% | +81 bps | |
| 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 | 12.97% | 13.76% | 12.80% | 9.42% | 9.22% | 8.32% | 4.95% | 4.28% | -515 bps | |
| Equity / Assets | 8.69% | 8.89% | 8.39% | 6.18% | 6.17% | 5.29% | 2.75% | 2.20% | -398 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.01% | 77.36% | 82.38% | 84.37% | 89.13% | 91.81% | 92.35% | 87.37% | +299 bps | |
| Liquid Assets / Assets | 5.05% | 7.93% | 4.68% | 1.92% | 4.69% | 10.03% | 9.25% | 11.17% | +924 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |