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East New York Savings Bank

New York City, NY · Cert 16014

FDIC

Q1 1997

$2.1BAssets
$1.3BLoans
$1.8BDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.98%, up 12 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 70.32% of deposits as of Q1 1997.

Return on Assets (YTD, annualized)

0.98%+12 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.

MetricQ2 1995Q3 1995Q4 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997YoY ΔTrend
Earnings
Return on Assets0.78%0.84%0.82%0.86%0.88%0.89%0.87%0.98%+12 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)0.71%4.59%1.69%4.88%20.61%13.24%11.16%12.89%+801 bps
Loan Growth (YoY)3.06%2.80%-0.85%-4.69%-6.61%-6.37%-6.02%-6.54%-185 bps
Deposit Growth (YoY)16.25%16.16%27.80%20.34%27.51%27.11%10.74%9.91%-1,043 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 / Deposits104.33%100.12%88.57%82.70%76.42%73.75%75.16%70.32%-1,238 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