Bronx, NY · Charter 23712
Q4 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.14% | 3.96% | 3.44% | 3.19% | 3.20% | 1.85% | 4.71% | 2.54% | -65 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 15.52% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 4.02% | 7.11% | 3.68% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 61.06% | 33.74% | 31.46% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.16% | -18.87% | -25.01% | -37.92% | -23.85% | -10.90% | 6.37% | 13.91% | +5,183 bps | |
| Loan Growth (YoY) | -5.93% | 5.99% | 24.16% | 17.32% | 14.90% | -12.21% | -35.18% | -30.46% | -4,778 bps | |
| Share Growth (YoY) | 1.21% | -23.15% | -29.18% | -42.57% | -29.56% | -16.89% | 0.60% | 9.34% | +5,191 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 20.86% | 14.59% | 24.80% | 13.73% | 15.60% | 16.11% | 19.61% | 9.43% | -430 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 | 12.39% | 9.77% | 10.48% | 9.19% | 10.79% | 11.13% | 16.17% | 13.22% | +403 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 16.37% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 16.37% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 34.98% | 60.06% | 52.89% | 63.52% | 57.06% | 63.44% | 34.07% | 40.40% | -2,312 bps | |
| Liquid Assets / Assets | 70.77% | 48.35% | 36.39% | 38.45% | 39.64% | 0.00% | 0.00% | 68.07% | +2,962 bps | |