Bronx, NY · Charter 21501
Q2 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -9.02% | -4.83% | -2.66% | -1.69% | -0.78% | -0.22% | 0.62% | 5.58% | +727 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 | 6.41% | 5.55% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 71.54% | 39.92% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.94% | 5.93% | 36.88% | 113.99% | 142.76% | 138.10% | 77.02% | 20.57% | -9,342 bps | |
| Loan Growth (YoY) | 34.42% | 3.89% | -10.60% | -7.70% | 29.26% | -2.37% | 35.46% | 25.10% | +3,280 bps | |
| Share Growth (YoY) | 19.03% | 12.67% | 56.44% | 128.88% | 164.17% | 145.63% | 79.10% | 17.92% | -11,096 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 45.70% | 16.10% | 3.27% | 3.22% | 13.17% | 3.28% | 2.08% | 7.92% | +471 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 | 6.23% | 16.45% | 5.44% | 4.29% | 4.27% | 6.11% | 6.60% | 9.71% | +542 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 | 65.65% | 61.68% | 48.57% | 29.98% | 32.12% | 24.52% | 36.74% | 31.81% | +183 bps | |
| Liquid Assets / Assets | 32.76% | 39.97% | 40.23% | 43.62% | 49.62% | 56.16% | 51.91% | 15.60% | -2,802 bps | |