New York, NY · Charter 2277
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 30, 2002, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
New York, NY · Charter 2277
Q2 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 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.42% | 1.31% | 0.01% | 0.45% | 1.24% | 0.33% | -7.93% | 268% | +26,717 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 4.21% | 1.05% | -9.15% | 200% | n/a | |
| Net Interest Margin | n/a | n/a | 4.17% | 4.45% | 4.46% | 5.61% | 11.89% | 56.97% | +5,252 bps | |
| Efficiency Ratio | n/a | n/a | 99.71% | 89.87% | 76.04% | 94.98% | 156.79% | 64.28% | -2,558 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.92% | -3.34% | -5.07% | -5.16% | -4.43% | -7.16% | -68.60% | -99.74% | -9,458 bps | |
| Loan Growth (YoY) | -10.07% | -2.33% | -25.48% | -9.95% | -31.69% | -52.69% | -100.00% | -100.00% | -9,005 bps | |
| Share Growth (YoY) | 2.71% | -4.72% | -8.31% | -6.57% | -8.89% | -22.24% | -100.00% | -100.00% | -9,343 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.37% | 6.09% | 0.91% | 4.32% | 15.51% | 5.17% | 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 | 27.65% | 26.25% | 30.90% | 30.13% | 34.10% | 47.16% | n/a | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 29.38% | 31.40% | 86.63% | 133.81% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 29.38% | 31.40% | 86.63% | 133.81% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 16.52% | 15.43% | 13.62% | 13.56% | 12.39% | 9.39% | n/a | n/a | n/a | |
| Liquid Assets / Assets | 89.52% | 63.31% | 67.62% | 87.44% | 92.16% | 95.91% | 100.69% | 100.00% | +1,256 bps | |