Bayside, NY · Charter 7171
Q1 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2004, the quarter ended March 31, 2004, 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.
Bayside, NY · Charter 7171
Q1 2004
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 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.02% | -0.97% | -1.49% | -4.06% | -6.75% | -5.80% | -4.68% | 0.00% | +406 bps | |
| Return on Equity | -4.45% | -4.22% | -4.25% | -7.21% | -7.39% | -6.36% | -5.13% | 0.00% | +721 bps | |
| Net Interest Margin | 1.94% | 1.76% | 2.50% | 0.43% | 0.26% | 0.23% | 0.20% | 0.00% | -43 bps | |
| Efficiency Ratio | 152.43% | 155.14% | 159.38% | 1034% | 2724% | 2601% | 2421% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -23.10% | -24.11% | -50.14% | -65.42% | -76.29% | -76.15% | -63.50% | -98.12% | -3,270 bps | |
| Loan Growth (YoY) | -73.21% | -74.37% | -85.45% | -70.58% | -64.29% | -61.77% | -27.82% | -100.00% | -2,942 bps | |
| Share Growth (YoY) | -28.13% | -29.09% | -60.37% | -80.95% | -97.32% | -97.27% | -95.04% | -100.00% | -1,905 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 32.47% | 24.23% | 43.65% | 100.00% | 0.00% | 100.00% | 100.00% | n/a | n/a | |
| 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 | 40.44% | 43.29% | 81.73% | 113.22% | 113.22% | 113.22% | 113.22% | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 22.88% | 23.03% | 34.99% | 56.31% | 91.28% | 91.20% | 91.17% | 78.96% | +2,265 bps | |
| Net Worth / Assets | 22.88% | 23.03% | 34.99% | 56.31% | 91.28% | 91.20% | 91.17% | 78.96% | +2,265 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 4.65% | 4.42% | 4.26% | 7.49% | 61.98% | 61.98% | 61.98% | n/a | n/a | |
| Liquid Assets / Assets | 96.96% | 97.16% | 98.09% | 99.37% | 98.96% | 98.95% | 98.94% | 100.00% | +63 bps | |