Forest Hills, NY · Charter 62867
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 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.
Forest Hills, NY · Charter 62867
Q3 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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.16% | 1.82% | 1.16% | 0.63% | 0.66% | 0.40% | 0.25% | 0.23% | -39 bps | |
| Return on Equity | 29.23% | 15.97% | 10.09% | 5.14% | 5.15% | 3.18% | 1.94% | 1.73% | -340 bps | |
| Net Interest Margin | 3.48% | 3.66% | 3.51% | 3.25% | 3.29% | 3.07% | 2.81% | 2.90% | -35 bps | |
| Efficiency Ratio | 34.25% | 48.05% | 49.77% | 55.55% | 52.82% | 61.56% | 63.49% | 63.10% | +755 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 30.28% | 28.52% | 18.71% | -3.73% | -10.61% | -8.77% | -8.28% | -6.60% | -287 bps | |
| Loan Growth (YoY) | 33.80% | 28.62% | 10.54% | -6.89% | -14.61% | -11.80% | -4.62% | -0.90% | +598 bps | |
| Share Growth (YoY) | 9.01% | 12.19% | 14.29% | 4.13% | -6.34% | -3.99% | -3.35% | -0.70% | -483 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.11% | 0.21% | 4.80% | 9.67% | 11.80% | 8.60% | 10.16% | 7.20% | -247 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 | 0.56% | 0.62% | 1.00% | 1.36% | 1.67% | 1.79% | 1.97% | 1.92% | +56 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.81% | 11.40% | 11.54% | 12.22% | 12.75% | 12.75% | 12.72% | 13.44% | +122 bps | |
| Net Worth / Assets | 10.81% | 11.40% | 11.54% | 12.22% | 12.75% | 12.75% | 12.72% | 13.44% | +122 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 138.04% | 134.95% | 122.12% | 124.61% | 125.87% | 123.97% | 120.51% | 124.36% | -26 bps | |
| Liquid Assets / Assets | 0.88% | 1.31% | 3.85% | 0.83% | 0.71% | 0.81% | 0.00% | 0.00% | -83 bps | |