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New York Lee

New York, NY · Charter 16618

Q4 1999

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 1999, the quarter ended December 31, 1999, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

New York Lee

New York, NY · Charter 16618

Q4 1999

$1.6MAssets
$1.3MLoans
$1.1MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of -1.36%, down 466 bps year over year; NIM at 3.94%.
  • Asset quality: problem loans at 35.17% of loans (+118 bps YoY).
  • Funding: loans stand at 120.69% of shares as of Q4 1999.

Return on Assets (YTD, annualized)

-1.36%-466 bps YoY

Net Interest Margin (YTD, annualized)

3.94%
n/a

Efficiency Ratio (YTD, annualized)

126.39%
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets1.12%4.59%3.88%3.30%4.04%3.64%1.25%-1.36%-466 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a3.94%n/an/a
Efficiency Ration/an/an/an/an/an/an/a126.39%n/an/a
Growth
Asset Growth (YoY)-45.85%-48.43%-41.14%-27.66%-4.24%-5.21%-15.56%-23.94%+372 bps
Loan Growth (YoY)-59.82%-48.67%-48.31%-37.64%1.46%-6.80%-4.24%-10.98%+2,666 bps
Share Growth (YoY)-57.65%-57.35%-47.45%-30.12%-13.98%-6.61%-23.04%-34.08%-396 bps
Asset Quality
Delinquent Loans / Loans34.10%33.99%38.53%33.99%22.34%36.52%51.56%35.17%+118 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans26.10%20.30%17.96%18.54%15.15%18.72%22.07%26.10%+756 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares102.11%109.12%93.06%89.38%120.44%108.90%115.80%120.69%+3,132 bps
Liquid Assets / Assets22.64%23.25%24.72%24.15%17.25%15.44%18.23%19.64%-451 bps