Roosevelt, NY · Charter 24147
Q3 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 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.70% | 2.31% | 3.68% | 2.97% | 4.26% | 6.73% | 0.00% | -52.71% | -5,568 bps | |
| Return on Equity | n/a | n/a | n/a | 24.97% | 30.01% | 6.81% | n/a | -52.71% | -7,768 bps | |
| Net Interest Margin | n/a | 3.63% | 5.17% | 4.62% | 5.47% | 23.00% | 0.00% | 96.12% | +9,151 bps | |
| Efficiency Ratio | n/a | 35.45% | 18.11% | 27.59% | 22.20% | 71.03% | n/a | 154.84% | +12,725 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 77.37% | 57.87% | 10.29% | -11.59% | -16.21% | -86.76% | -99.99% | -99.99% | -8,840 bps | |
| Loan Growth (YoY) | 9.60% | 35.25% | 4.16% | -37.81% | -44.41% | -100.00% | -100.00% | -100.00% | -6,219 bps | |
| Share Growth (YoY) | 78.61% | 59.98% | 5.52% | -17.28% | -22.56% | -99.84% | -99.98% | -100.00% | -8,272 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.93% | 7.39% | 27.83% | 17.45% | 35.98% | n/a | 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 | 1.75% | 1.54% | 1.82% | 3.20% | 4.45% | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | 11.88% | 14.20% | 98.88% | 0.00% | 100.00% | +8,812 bps | |
| Net Worth / Assets | n/a | n/a | n/a | 11.88% | 14.20% | 98.88% | 0.00% | 100.00% | +8,812 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 14.26% | 19.15% | 17.81% | 13.62% | 10.24% | 0.00% | 0.00% | n/a | n/a | |
| Liquid Assets / Assets | 77.34% | 68.88% | 63.73% | 87.30% | 90.73% | 93.53% | 100.00% | 100.00% | +1,270 bps | |