PackageTrendsPeer
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Jamaica Savings Bank FSB

Lynbrook, NY · Cert 16023

FDIC

Q4 1999

$1.6BAssets
$1.3BLoans
$1.1BDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.77%, down 93 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 112.83% of deposits as of Q4 1999.

Return on Assets (YTD, annualized)

1.77%-93 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 1998Q2 1998Q3 1998Q4 1998Q1 1999Q2 1999Q3 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets1.86%2.74%2.79%2.70%1.80%1.76%1.76%1.77%-93 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)4.07%4.25%3.14%9.01%6.27%5.60%5.88%-0.94%-995 bps
Loan Growth (YoY)19.62%22.98%24.24%18.80%14.84%9.37%8.14%8.99%-980 bps
Deposit Growth (YoY)0.25%0.63%-0.99%0.87%-1.49%-1.86%-0.83%-3.62%-449 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 / Deposits86.39%90.36%98.25%99.78%100.71%100.70%107.14%112.83%+1,306 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