Dobbs Ferry, NY · Charter 6127
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 2006, 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.
Dobbs Ferry, NY · Charter 6127
Q2 2006
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.05% | 0.04% | 0.00% | 0.00% | -1.20% | -0.94% | 0.30% | 0.18% | +18 bps | |
| Return on Equity | 0.26% | 0.20% | 0.00% | 0.01% | -5.78% | -4.31% | 1.27% | 0.74% | +73 bps | |
| Net Interest Margin | 2.63% | 2.65% | 2.40% | 2.57% | 2.74% | 2.91% | 3.30% | 3.36% | +79 bps | |
| Efficiency Ratio | 98.15% | 98.55% | 99.96% | 99.92% | 95.51% | 96.47% | 90.95% | 94.50% | -542 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.78% | -14.03% | -15.40% | -14.49% | -14.37% | -14.89% | -18.79% | -17.78% | -329 bps | |
| Loan Growth (YoY) | 0.41% | -4.46% | -6.08% | -3.67% | 15.88% | 22.74% | 18.98% | 11.71% | +1,538 bps | |
| Share Growth (YoY) | -7.18% | -16.86% | -18.55% | -17.81% | -16.73% | -17.62% | -22.66% | -21.71% | -390 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 1.47% | 2.99% | 2.56% | 0.71% | 0.09% | 0.68% | 1.42% | -114 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 | 1.03% | 1.13% | 1.13% | 1.09% | 0.87% | 0.90% | 0.92% | 0.95% | -14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.60% | 19.46% | 19.94% | 21.32% | 20.82% | 21.92% | 23.62% | 24.95% | +363 bps | |
| Net Worth / Assets | 18.60% | 19.46% | 19.94% | 21.32% | 20.82% | 21.92% | 23.62% | 24.95% | +363 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.01% | 59.71% | 61.95% | 69.74% | 86.30% | 88.96% | 95.30% | 99.51% | +2,977 bps | |
| Liquid Assets / Assets | 44.32% | 50.44% | 49.17% | 44.04% | 23.89% | 21.49% | 26.28% | 0.00% | -4,404 bps | |