Portchester, NY · Cert 58072
FDIC
Q2 2010
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 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.88% | -1.39% | -1.55% | -4.40% | -5.39% | -6.09% | -5.14% | -4.49% | -10 bps | |
| Return on Equity | -7.90% | -13.42% | -20.94% | -62.68% | -84.89% | -109.71% | -272% | -303% | -24,070 bps | |
| Net Interest Margin | 2.95% | 2.83% | 2.45% | 2.21% | 2.17% | 1.87% | 1.87% | 1.83% | -37 bps | |
| Efficiency Ratio | 120.26% | 125.48% | 132.88% | 153.14% | 150.82% | 175.23% | 377% | 321% | +16,805 bps | |
| Non-Interest Burden | 3.58% | 3.60% | 3.29% | 3.45% | 3.36% | 3.38% | 7.42% | 6.18% | +273 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.47% | 23.87% | 9.90% | 17.07% | 14.03% | 5.52% | -10.16% | -16.33% | -3,340 bps | |
| Loan Growth (YoY) | 58.76% | 34.61% | 18.40% | 11.22% | 11.57% | 8.25% | 2.04% | -9.45% | -2,067 bps | |
| Deposit Growth (YoY) | 31.41% | 38.21% | 17.34% | 27.09% | 24.56% | 13.25% | 8.24% | -0.37% | -2,746 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 | 0.25% | 0.60% | 0.00% | -0.05% | -0.04% | 3.73% | -0.37% | -0.16% | -10 bps | |
| Allowance / Loans | 1.21% | 1.34% | 1.51% | 2.04% | 4.17% | 2.33% | 2.56% | 2.80% | +76 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 | 13.92% | 12.71% | 12.42% | 9.51% | 7.48% | 5.00% | 3.47% | 2.24% | -727 bps | |
| Equity / Assets | 10.19% | 7.69% | 7.17% | 6.25% | 4.41% | 2.38% | 1.32% | 0.59% | -565 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.37% | 90.16% | 90.83% | 89.13% | 90.79% | 86.18% | 85.63% | 81.01% | -812 bps | |
| Liquid Assets / Assets | 0.61% | 0.55% | 0.50% | 0.42% | 0.38% | 0.36% | 0.36% | 0.33% | -9 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |