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Roosevelt Savings Bank

Garden City, NY · Cert 15962

FDIC

Q4 1998

$4.1BAssets
$2.4BLoans
$2.2BDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.06%, up 8 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 109.06% of deposits as of Q4 1998.

Return on Assets (YTD, annualized)

1.06%+8 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ1 1997Q2 1997Q3 1997Q4 1997Q1 1998Q2 1998Q3 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets0.93%0.95%0.97%0.98%0.99%1.03%1.06%1.06%+8 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)13.42%15.54%17.70%17.91%17.68%15.95%13.38%6.37%-1,154 bps
Loan Growth (YoY)17.50%17.45%18.92%20.35%21.57%20.52%21.08%16.88%-347 bps
Deposit Growth (YoY)14.78%10.65%2.27%-5.84%-10.43%-11.10%-7.52%-2.86%+298 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits71.39%76.00%82.06%90.65%96.89%103.04%107.43%109.06%+1,841 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a