Nyack, NY · Charter 23608
Q4 1997
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.80% | 2.03% | 2.39% | 1.99% | 0.17% | 0.77% | 2.34% | 2.40% | +41 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 | n/a | 11.88% | 5.91% | 2.60% | -0.69% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 80.12% | 24.09% | -1.53% | -10.77% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | 14.73% | 9.64% | 5.37% | 1.17% | n/a | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.81% | 1.60% | 0.69% | 3.00% | 2.78% | 4.60% | 2.99% | 4.66% | +167 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 | 1.70% | 1.12% | 1.23% | 1.91% | 2.67% | 5.80% | 3.30% | 5.93% | +402 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 | 38.48% | 63.04% | 61.67% | 69.29% | 60.42% | 71.34% | 57.63% | 61.11% | -818 bps | |
| Liquid Assets / Assets | 18.59% | 18.89% | 19.51% | 4.44% | 17.52% | 16.67% | 13.75% | 25.58% | +2,114 bps | |