New York, NY · Charter 22783
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 | -1.05% | 2.56% | 2.33% | 5.23% | 4.47% | 3.97% | 2.84% | 1.05% | -418 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 | 5.66% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 78.51% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.16% | 18.49% | -13.79% | -14.66% | -15.12% | -20.47% | 4.18% | -7.88% | +678 bps | |
| Loan Growth (YoY) | -17.19% | -4.22% | -12.39% | 3.92% | 2.12% | -0.06% | -6.94% | -2.32% | -624 bps | |
| Share Growth (YoY) | 23.52% | 21.98% | -15.05% | -19.93% | -21.92% | -25.29% | 2.15% | -3.70% | +1,624 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.71% | 3.68% | 2.29% | 2.13% | 3.97% | 5.51% | 13.99% | 13.46% | +1,133 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 | 4.89% | 3.80% | 7.31% | 4.58% | 5.71% | 5.58% | 6.81% | 14.50% | +992 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 | 36.50% | 45.55% | 48.94% | 57.75% | 47.73% | 60.93% | 44.58% | 58.58% | +83 bps | |
| Liquid Assets / Assets | 45.09% | 38.14% | 54.85% | 23.58% | 55.90% | 47.63% | 22.20% | 28.45% | +487 bps | |