Jamaica, NY · Charter 17257
Q4 2002
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 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -15.10% | -29.90% | -14.91% | 0.00% | 0.00% | 0.00% | -0.08% | 0.00% | 0 bps | |
| Return on Equity | n/a | n/a | -17.69% | 0.00% | n/a | n/a | n/a | n/a | n/a | |
| Net Interest Margin | 5.97% | 13.74% | 7.08% | 0.24% | 0.19% | 0.01% | 0.01% | 0.00% | -24 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 100.00% | 100.00% | 100.00% | 248% | 100.00% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -28.25% | -0.37% | 6.12% | 3.82% | 0.36% | -5.30% | -4.57% | -4.70% | -852 bps | |
| Loan Growth (YoY) | -73.51% | -63.94% | -69.02% | -62.76% | -97.53% | -100.00% | -100.00% | -100.00% | -3,724 bps | |
| Share Growth (YoY) | -81.64% | -76.20% | 9.53% | 23.07% | -100.00% | -67.59% | -100.00% | -100.00% | -12,307 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 27.81% | 29.07% | 40.87% | 46.18% | 0.00% | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 84.28% | 74.68% | 0.00% | 0.00% | 0.00% | 0.00% | -7,468 bps | |
| Net Worth / Assets | n/a | n/a | 84.28% | 74.68% | 0.00% | 0.00% | 0.00% | 0.00% | -7,468 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 122.39% | 126.38% | 97.48% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |