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 116 bps year over year.

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
n/a

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%

Year to date, annualized, through each quarter.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets1.09%1.06%1.16%1.16%1.05%0.88%0.00%0.00%-116 bps
Return on Equity15.08%13.14%13.82%13.47%11.77%8.57%n/an/an/a
Net Interest Margin3.27%3.37%3.40%3.40%3.49%3.02%n/an/an/a
Efficiency Ratio50.66%52.20%51.26%52.44%55.73%58.46%n/an/an/a
Non-Interest Burden1.51%1.63%1.54%1.61%1.81%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 / Loans0.12%0.25%0.13%0.01%0.00%-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