Long Island Cty, NY · Charter 60107
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 2005, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Long Island Cty, NY · Charter 60107
Q4 2005
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.42% | 1.07% | 0.71% | 0.50% | 0.78% | 1.23% | 1.08% | 0.99% | +49 bps | |
| Return on Equity | 7.77% | 5.74% | 3.79% | 2.64% | 4.02% | 5.97% | 5.02% | 4.27% | +163 bps | |
| Net Interest Margin | 2.55% | 3.06% | 3.09% | 3.28% | 4.11% | 4.25% | 4.59% | 4.85% | +157 bps | |
| Efficiency Ratio | 117.96% | 96.38% | 100.01% | 95.47% | 93.90% | 80.06% | 76.76% | 78.57% | -1,690 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.47% | -3.58% | -2.44% | -0.81% | -4.33% | -6.20% | -9.08% | -14.20% | -1,339 bps | |
| Loan Growth (YoY) | -1.63% | -6.86% | 6.96% | 1.57% | 4.12% | 11.52% | -3.29% | -10.57% | -1,214 bps | |
| Share Growth (YoY) | -0.58% | -4.72% | -3.34% | -1.55% | -5.69% | -8.29% | -11.95% | -18.58% | -1,703 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.77% | 1.55% | 2.92% | 2.36% | 1.28% | 2.19% | 2.95% | 2.52% | +16 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.12% | 2.19% | 1.97% | 1.86% | 1.94% | 1.67% | 1.83% | 2.08% | +22 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.33% | 18.72% | 18.78% | 18.95% | 19.50% | 20.52% | 21.42% | 23.07% | +412 bps | |
| Net Worth / Assets | 18.33% | 18.72% | 18.78% | 18.95% | 19.50% | 20.52% | 21.42% | 23.07% | +412 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.05% | 41.57% | 48.79% | 48.19% | 47.53% | 50.55% | 53.58% | 52.92% | +474 bps | |
| Liquid Assets / Assets | 56.83% | 58.14% | 42.24% | 29.62% | 29.85% | 20.08% | 22.53% | 21.45% | -818 bps | |