New York, NY · Charter 21470
Q2 1998
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -30.54% | 8.51% | 13.84% | 0.97% | 0.96% | 0.97% | -22.49% | -67.65% | -6,862 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 | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | -51.63% | -29.90% | -7.54% | -25.21% | -51.11% | +52 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | -74.20% | -64.50% | -42.18% | 21.94% | 60.64% | +13,484 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | -52.30% | -48.25% | -18.12% | -11.52% | -21.48% | +3,083 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 41.33% | 57.10% | 3.92% | 29.00% | 29.00% | 0.00% | 54.17% | 98.88% | +6,988 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 | 35.80% | 55.25% | 52.39% | 58.08% | 58.08% | 58.08% | 60.97% | 90.36% | +3,228 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 | 78.15% | 75.92% | 60.50% | 53.61% | 53.61% | 53.61% | 83.38% | 109.68% | +5,607 bps | |
| Liquid Assets / Assets | 0.00% | 8.69% | 7.71% | 10.59% | 10.54% | 10.59% | 22.22% | 42.35% | +3,176 bps | |