New York, NY · Charter 19270
Q4 1999
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 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.07% | 2.60% | 2.60% | 3.53% | 3.90% | 3.52% | 3.02% | 1.42% | -211 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 | 5.26% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 76.08% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.50% | 7.13% | 14.51% | 12.22% | 13.51% | 1.05% | -6.08% | 0.27% | -1,194 bps | |
| Loan Growth (YoY) | 15.93% | 12.40% | 5.37% | -32.57% | -17.75% | -16.95% | -20.69% | 11.02% | +4,359 bps | |
| Share Growth (YoY) | 11.91% | 1.89% | 12.65% | 10.85% | 11.24% | -1.19% | -10.86% | -2.86% | -1,371 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 12.63% | 19.01% | 13.21% | 0.00% | 2.39% | 4.01% | 5.97% | 6.95% | +695 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 | 16.32% | 23.75% | 19.28% | 13.82% | 12.32% | 12.37% | 15.65% | 14.67% | +85 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 | 52.79% | 49.69% | 45.73% | 37.64% | 39.04% | 41.77% | 40.69% | 43.01% | +538 bps | |
| Liquid Assets / Assets | 49.40% | 56.16% | 56.62% | 67.48% | 64.14% | 58.00% | 62.73% | 57.46% | -1,003 bps | |