PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 $1.5MQ4 2004Q3 2006
Deposit mix
73%Interest-bearing $1.3B27%Noninterest $0.5BQ4 2004Q3 2006

Executive Summary

  • Earnings: ROA of 0.00%, down 117 bps year over year.

Return on Assets (quarter, annualized)

0.00%-117 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Tier 1 Leverage Ratio

n/a
n/a

NIM

4.97%Q3 ’044.91%Q1 ’055.24%Q1 ’06-4%-10%

Non-interest income vs. expense

2.11%Q3 ’042.17%Q1 ’052.14%Q1 ’06+3%+3%

Discrete quarter, annualized.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets1.14%1.06%1.26%1.17%0.66%0.88%0.00%0.00%-117 bps
Return on Equity14.78%13.14%14.71%12.70%6.79%8.57%n/an/an/a
Net Interest Margin3.00%3.37%3.30%3.28%3.22%3.02%n/an/an/a
Efficiency Ratio46.06%52.20%50.34%54.99%66.88%58.46%n/an/an/a
Non-Interest Burden1.23%1.63%1.39%1.69%2.18%1.68%n/an/an/a
Growth
Asset Growth (YoY)2.69%-4.48%-11.61%-11.06%-14.66%-13.65%-99.96%-99.96%-8,890 bps
Loan Growth (YoY)9.16%2.95%3.14%-2.29%-6.08%-4.46%-100.00%-100.00%-9,771 bps
Deposit Growth (YoY)6.30%1.53%-6.78%-6.71%-13.74%-3.74%-100.00%-100.00%-9,329 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%n/an/an/a
Net Charge-Offs / Loans0.72%0.25%0.02%-0.23%-0.04%-0.03%n/an/an/a
Allowance / Loans1.01%0.89%0.77%0.63%0.55%0.51%n/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital12.38%13.23%14.68%15.24%16.57%17.18%n/an/an/a
Equity / Assets7.99%8.13%9.04%9.40%10.13%10.42%n/an/an/a
Liquidity & Funding
Loans / Deposits69.25%68.31%72.82%72.54%75.39%67.80%n/an/an/a
Liquid Assets / Assets0.21%0.51%0.04%0.03%0.02%0.01%0.00%0.00%-3 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a