New York, NY · Charter 16618
Q4 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.12% | 4.59% | 3.88% | 3.30% | 4.04% | 3.64% | 1.25% | -1.36% | -466 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 | n/a | 3.94% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 126.39% | n/a | n/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 / Loans | 34.10% | 33.99% | 38.53% | 33.99% | 22.34% | 36.52% | 51.56% | 35.17% | +118 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 | 26.10% | 20.30% | 17.96% | 18.54% | 15.15% | 18.72% | 22.07% | 26.10% | +756 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 | 102.11% | 109.12% | 93.06% | 89.38% | 120.44% | 108.90% | 115.80% | 120.69% | +3,132 bps | |
| Liquid Assets / Assets | 22.64% | 23.25% | 24.72% | 24.15% | 17.25% | 15.44% | 18.23% | 19.64% | -451 bps | |