New York, NY · Charter 62762
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 31, 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.
New York, NY · Charter 62762
Q1 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 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.10% | 1.16% | 0.97% | -2.43% | -3.13% | -1.49% | -0.64% | 1.33% | +376 bps | |
| Return on Equity | 0.75% | 7.56% | 6.17% | -15.51% | -18.99% | -8.57% | -4.51% | 10.21% | +2,572 bps | |
| Net Interest Margin | 5.15% | 5.75% | 5.16% | 2.32% | 2.90% | 3.63% | 4.79% | 5.65% | +332 bps | |
| Efficiency Ratio | 72.41% | 64.09% | 74.88% | 274% | 146.97% | 112.31% | 82.01% | 78.21% | -19,533 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.63% | -19.65% | -17.68% | -10.83% | -21.60% | -18.29% | 4.18% | 12.37% | +2,320 bps | |
| Loan Growth (YoY) | 26.37% | 26.56% | 16.00% | 181.13% | 80.45% | 148.06% | 160.31% | 44.25% | -13,687 bps | |
| Share Growth (YoY) | -16.68% | -22.68% | -20.65% | -12.23% | -24.25% | -20.34% | 6.09% | 15.86% | +2,809 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.07% | 10.88% | 11.48% | 7.44% | 5.87% | 5.63% | 2.74% | 12.90% | +546 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 | 4.63% | 4.77% | 2.78% | 1.43% | 1.15% | 0.95% | 1.04% | 0.83% | -60 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.59% | 15.31% | 15.77% | 15.65% | 16.51% | 17.39% | 14.23% | 13.03% | -262 bps | |
| Net Worth / Assets | 13.59% | 15.31% | 15.77% | 15.65% | 16.51% | 17.39% | 14.23% | 13.03% | -262 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 31.73% | 30.23% | 34.23% | 71.72% | 75.58% | 94.14% | 83.99% | 89.30% | +1,758 bps | |
| Liquid Assets / Assets | 47.54% | 53.34% | 64.08% | 38.06% | 35.43% | 20.45% | 26.64% | 21.22% | -1,684 bps | |