PackageTrendsPeer
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Atlantic Bank of New York

New York, NY · Cert 5915

FDIC

Q3 2006

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2006, the quarter ended September 30, 2006, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Atlantic Bank of New York

New York, NY · Cert 5915

FDIC

Q3 2006

$1.2MAssets
$0KLoans
$0KDeposits
n/aEquity
Loan mix
49%RE $404.0M50%C&I $412.8M0%Consumer $1.5MQ3 2005Q3 2006
Deposit mix
73%Interest-bearing $1.3B27%Noninterest $0.5BQ3 2005Q3 2006

NIM

4.60%Q3 ’044.91%Q1 ’055.24%Q1 ’06+4%-10%

Non-interest income vs. expense

2.09%Q3 ’042.17%Q1 ’052.14%Q1 ’06+6%+3%

Executive Summary

  • Earnings: ROA of 0.00%, down 116 bps year over year.

Financial Results

Return on Assets (YTD, annualized)

0.00%-116 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets1.16%1.05%0.88%0.00%0.00%-116 bps
Return on Equity13.47%11.77%8.57%n/an/an/a
Net Interest Margin3.40%3.49%3.02%n/an/an/a
Efficiency Ratio52.44%55.73%58.46%n/an/an/a
Non-Interest Burden1.61%1.81%1.68%n/an/an/a
Growth
Asset Growth (YoY)-11.06%-14.66%-13.65%-99.96%-99.96%-8,890 bps
Loan Growth (YoY)-2.29%-6.08%-4.46%-100.00%-100.00%-9,771 bps
Deposit Growth (YoY)-6.71%-13.74%-3.74%-100.00%-100.00%-9,329 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%n/an/an/a
Net Charge-Offs / Loans0.01%0.00%-0.03%n/an/an/a
Allowance / Loans0.63%0.55%0.51%n/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 Capital15.24%16.57%17.18%n/an/an/a
Equity / Assets9.40%10.13%10.42%n/an/an/a
Liquidity & Funding
Loans / Deposits72.54%75.39%67.80%n/an/an/a
Liquid Assets / Assets0.03%0.02%0.01%0.00%0.00%-3 bps
CRE / Total Capitaln/an/an/an/an/an/an/a