New York, NY · Charter 20146
Q4 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.62% | 2.30% | 0.81% | 2.89% | 3.60% | 3.39% | 1.53% | -13.13% | -1,602 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 34.66% | 14.93% | n/a | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 8.12% | 6.73% | 7.76% | 4.05% | 5.91% | -222 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 73.28% | 48.93% | 58.09% | 63.31% | 251% | +17,740 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.09% | -0.04% | 0.53% | -4.35% | -1.80% | -12.97% | -14.87% | -17.13% | -1,278 bps | |
| Loan Growth (YoY) | 86.09% | 20.22% | 77.57% | 13.98% | 4.25% | -14.07% | -51.28% | -48.60% | -6,258 bps | |
| Share Growth (YoY) | -3.25% | -3.40% | -4.31% | -5.46% | -3.36% | -9.16% | -12.18% | -6.02% | -57 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.35% | 8.28% | 16.47% | 29.10% | 21.69% | 5.45% | 37.21% | 42.51% | +1,341 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 | 0.01% | 0.01% | 3.39% | 4.45% | 5.89% | 6.98% | 8.17% | 35.64% | +3,119 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 9.78% | 10.25% | -1.77% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 9.78% | 10.25% | -1.77% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.39% | 51.62% | 73.23% | 65.02% | 55.44% | 48.82% | 40.63% | 35.56% | -2,946 bps | |
| Liquid Assets / Assets | 35.43% | 35.29% | 20.44% | 42.25% | 29.68% | 55.09% | 64.08% | 74.27% | +3,201 bps | |