Brooklyn, NY · Charter 60270
Q4 2007
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 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.62% | 0.07% | 0.01% | 0.01% | -0.21% | -1.78% | -1.33% | -1.67% | -167 bps | |
| Return on Equity | 3.76% | 0.38% | 0.08% | 0.03% | -1.11% | -9.65% | -7.20% | -8.89% | -892 bps | |
| Net Interest Margin | 4.27% | 3.94% | 4.16% | 4.30% | 3.85% | 2.76% | 3.31% | 3.30% | -100 bps | |
| Efficiency Ratio | 85.40% | 98.33% | 99.66% | 99.88% | 105.57% | 164.59% | 140.09% | 150.53% | +5,065 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.63% | -12.76% | -13.53% | -14.77% | -14.89% | -11.40% | -7.43% | -8.88% | +590 bps | |
| Loan Growth (YoY) | 4.75% | -4.87% | -8.35% | -24.05% | -15.08% | -21.75% | -16.87% | -29.54% | -549 bps | |
| Share Growth (YoY) | -14.45% | -14.71% | -15.65% | -17.51% | -17.61% | -12.80% | -7.93% | -9.11% | +840 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 12.12% | 12.08% | 13.61% | 13.68% | 13.03% | 12.95% | 11.50% | 10.89% | -279 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 | 2.45% | 2.54% | 2.72% | 2.79% | 2.95% | 3.02% | 2.37% | 1.89% | -90 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.56% | 17.17% | 17.99% | 18.59% | 19.22% | 18.46% | 18.43% | 18.73% | +14 bps | |
| Net Worth / Assets | 16.56% | 17.17% | 17.99% | 18.59% | 19.22% | 18.46% | 18.43% | 18.73% | +14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.97% | 76.31% | 73.33% | 75.07% | 76.25% | 68.49% | 66.21% | 58.19% | -1,687 bps | |
| Liquid Assets / Assets | 26.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |