EX-99 3 data.txt Atlantic Liberty Financial Corp. Selected Financial Condition Data: At September 30, At March 31, 2005 2005 (In Thousands) Total Assets $ 177,111 $ 183,974 Loans Receivable, net (1) 123,903 120,148 Securities Available for Sale 2,829 2,940 Securities Held to Maturity 40,220 45,985 Deposits 104,650 109,103 Total Borrowings 40,550 43,350 Stockholders' Equity 28,740 27,827 (1) The allowance for loan losses was $753,000 and $737,000 at September 30, 2005 and March 31, 2005 respectively.
Three-months Ended Six-months Ended September 30, 2005 2004 2005 2004 (In thousands, except for per share data) Selected Operating Data: Interest Income $ 2,527 $ 2,452 $ 5,064 $ 4,831 Interest Expense 807 720 1,577 1,386 Net Interest Income 1,720 1,732 3,487 3,445 Provision for Loan Losses - 125 - 125 Net Interest Income after provision for Loan Losses 1,720 1,607 3,487 3,320 Non-interest income 147 958 246 1,112 Non-interest expense 1,144 1,238 2,245 2,417 Income before income taxes 723 1,327 1,488 2,015 Income taxes 325 565 646 848 Net income 398 762 842 1,167 Net Income per share-Basic $ 0.25 $ 0.48 $ 0.53 $ 0.74 Net Income per share -Fully Diluted $ 0.24 $ 0.48 $ 0.51 $ 0.74
Selected Financial Ratios and Other Data: At or for the Three Months Ended September 30, Performance Ratios: 2005 2004 Return on Average Assets 0.89% 1.66% Return on Average Equity 5.57% 11.41% Interest Rate Spread 3.69% 3.68% Asset Quality Ratios: Non-performing assets to total assets 0.05% 0.34% Allowance for loan losses to non performing loans 6275.00% 134.51% Allowance for loan losses to total loan receivable 0.60% 0.61% Capital Ratio: Equity to total assets 16.23% 14.74%