Jamaica, NY · Charter 17257
Q4 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2002, the quarter ended December 31, 2002, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Jamaica, NY · Charter 17257
Q4 2002
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.00% | 0.00% | 0.00% | -0.08% | 0.00% | 0 bps | |
| Return on Equity | 0.00% | n/a | n/a | n/a | n/a | n/a | |
| Net Interest Margin | 0.24% | 0.19% | 0.01% | 0.01% | 0.00% | -24 bps | |
| Efficiency Ratio | 100.00% | 100.00% | 100.00% | 248% | 100.00% | 0 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.82% | 0.36% | -5.30% | -4.57% | -4.70% | -852 bps | |
| Loan Growth (YoY) | -62.76% | -97.53% | -100.00% | -100.00% | -100.00% | -3,724 bps | |
| Share Growth (YoY) | 23.07% | -100.00% | -67.59% | -100.00% | -100.00% | -12,307 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | n/a | n/a | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 46.18% | 0.00% | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Risk-Based Capital | 74.68% | 0.00% | 0.00% | 0.00% | 0.00% | -7,468 bps | |
| Net Worth / Assets | 74.68% | 0.00% | 0.00% | 0.00% | 0.00% | -7,468 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 54.33% | n/a | 0.00% | n/a | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |