New York, NY · Charter 60163
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 31, 2003, 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.
New York, NY · Charter 60163
Q1 2003
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 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.48% | 1.76% | 2.19% | 1.25% | 3.47% | 0.49% | 1.50% | 3.04% | +179 bps | |
| Return on Equity | n/a | 12.23% | 15.89% | 10.68% | 32.14% | 4.54% | 12.92% | 25.87% | +1,519 bps | |
| Net Interest Margin | 5.41% | 4.98% | 4.95% | 3.93% | 6.23% | 2.38% | 3.90% | 4.95% | +102 bps | |
| Efficiency Ratio | 61.30% | 54.00% | 58.24% | 53.99% | 35.07% | 81.31% | 48.59% | 40.89% | -1,311 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 24.71% | 36.27% | 32.79% | 68.43% | 72.92% | 52.53% | 42.86% | 22.24% | -4,619 bps | |
| Loan Growth (YoY) | 35.24% | 53.92% | 58.12% | 43.64% | 30.12% | 15.83% | 20.61% | 18.20% | -2,544 bps | |
| Share Growth (YoY) | 20.38% | 32.88% | 33.09% | 75.12% | 87.08% | 62.80% | 46.90% | 22.70% | -5,242 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.73% | 3.34% | 3.26% | 3.95% | 3.62% | 3.84% | 4.99% | 4.30% | +35 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 | 2.21% | 1.92% | 1.82% | 2.07% | 2.02% | 2.11% | 1.90% | 1.73% | -35 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | 14.41% | 13.79% | 11.69% | 10.80% | 10.76% | 11.65% | 11.74% | +5 bps | |
| Net Worth / Assets | n/a | 14.41% | 13.79% | 11.69% | 10.80% | 10.76% | 11.65% | 11.74% | +5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 113.15% | 113.79% | 107.51% | 86.27% | 78.70% | 80.96% | 88.27% | 83.11% | -316 bps | |
| Liquid Assets / Assets | 3.72% | 5.91% | 8.30% | 24.68% | 30.27% | 24.92% | 18.79% | 25.56% | +87 bps | |