New York, NY · Cert 5915
FDIC
Q3 2006
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 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.16% | 1.05% | 0.88% | 0.00% | 0.00% | -116 bps | |
| Return on Equity | 13.47% | 11.77% | 8.57% | n/a | n/a | n/a | |
| Net Interest Margin | 3.40% | 3.49% | 3.02% | n/a | n/a | n/a | |
| Efficiency Ratio | 52.44% | 55.73% | 58.46% | n/a | n/a | n/a | |
| Non-Interest Burden | 1.61% | 1.81% | 1.68% | n/a | n/a | n/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 / Loans | 0.00% | 0.00% | 0.00% | n/a | n/a | n/a | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | -0.03% | n/a | n/a | n/a | |
| Allowance / Loans | 0.63% | 0.55% | 0.51% | n/a | n/a | n/a | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 15.24% | 16.57% | 17.18% | n/a | n/a | n/a | |
| Equity / Assets | 9.40% | 10.13% | 10.42% | n/a | n/a | n/a | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 72.54% | 75.39% | 67.80% | n/a | n/a | n/a | |
| Liquid Assets / Assets | 0.03% | 0.02% | 0.01% | 0.00% | 0.00% | -3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |