New York, NY · Cert 58071
FDIC
Q4 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | -2.55% | -1.84% | -11.89% | -1.36% | -4.98% | -10.95% | -1.97% | +993 bps | |
| Return on Equity | -21.10% | -28.95% | -21.27% | -162.62% | -22.03% | -86.51% | -270% | -79.64% | +8,298 bps | |
| Net Interest Margin | 2.89% | 2.41% | 2.76% | 2.61% | 2.86% | 2.48% | 1.72% | 1.86% | -76 bps | |
| Efficiency Ratio | 133.71% | 138.18% | 113.78% | 134.53% | 115.90% | 164.06% | 320% | 165.02% | +3,048 bps | |
| Non-Interest Burden | 3.87% | 3.44% | 3.15% | 3.56% | 3.36% | 4.12% | 5.57% | 3.29% | -27 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% | 0.94% | 0.16% | 5.03% | 0.00% | 2.39% | 0.94% | 8.50% | +347 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 |