Coram, NY · Charter 13129
Q2 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2000, the quarter ended June 30, 2000, 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.
Coram, NY · Charter 13129
Q2 2000
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.25% | 3.34% | 3.58% | 1.47% | -0.42% | -4.50% | -0.35% | -1.72% | -319 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | 4.98% | 0.44% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 105.88% | 91.84% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -38.48% | -37.94% | -42.26% | -50.42% | -48.22% | -38.90% | -26.24% | -6.42% | +4,400 bps | |
| Loan Growth (YoY) | -52.85% | -53.14% | -52.09% | -51.93% | -64.59% | -72.99% | -83.58% | -81.61% | -2,968 bps | |
| Share Growth (YoY) | -37.83% | -37.77% | -46.83% | -55.12% | -52.66% | -40.69% | -28.72% | -12.68% | +4,244 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 18.02% | 39.08% | 43.76% | 71.73% | 42.94% | 37.71% | 32.66% | 39.09% | -3,264 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 | 10.19% | 11.13% | 16.47% | 23.55% | 32.75% | 54.36% | 79.70% | 37.12% | +1,357 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.89% | 61.05% | 66.13% | 67.60% | 47.04% | 27.80% | 15.24% | 14.24% | -5,336 bps | |
| Liquid Assets / Assets | 28.01% | 33.19% | 40.01% | 33.58% | 40.31% | 40.30% | 40.02% | 6.85% | -2,673 bps | |