New York, NY · Charter 24341
Q2 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.00% | 2.66% | 2.47% | 2.22% | 0.23% | -0.51% | -0.67% | 1.22% | -100 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | -9.04% | 17.89% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 3.70% | 4.61% | 4.52% | 4.43% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 96.85% | 106.93% | 108.29% | 78.00% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.12% | 1.74% | -28.78% | -14.46% | -13.45% | -8.80% | 12.81% | 9.35% | +2,381 bps | |
| Loan Growth (YoY) | 79.67% | -64.34% | -50.97% | -58.21% | -50.33% | -2.42% | -25.81% | -33.86% | +2,434 bps | |
| Share Growth (YoY) | -14.12% | -2.81% | -33.77% | -17.09% | -16.73% | -9.91% | 17.24% | 14.51% | +3,160 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 71.95% | 45.13% | 19.32% | 26.88% | 65.21% | 49.33% | 22.23% | 30.09% | +321 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 | 44.15% | 29.84% | 22.25% | 9.45% | 30.13% | 26.22% | 19.62% | 60.92% | +5,147 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 7.42% | 6.83% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 7.42% | 6.83% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 2.54% | 1.55% | 2.14% | 1.41% | 1.51% | 1.68% | 1.35% | 0.81% | -60 bps | |
| Liquid Assets / Assets | 93.00% | 93.04% | 0.00% | 94.96% | 94.11% | 0.00% | 96.20% | 94.90% | -6 bps | |