Bronx, NY · Charter 24370
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 | 1.40% | 1.16% | 2.22% | 2.31% | 2.81% | -0.76% | -3.95% | -7.24% | -955 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 | 4.94% | 6.60% | 7.24% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 111.50% | 96.47% | 90.52% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 152.04% | 93.15% | 46.13% | 4.27% | -0.70% | -0.58% | -11.19% | -5.65% | -992 bps | |
| Loan Growth (YoY) | 631% | 360% | 480% | 313% | 96.47% | 57.15% | 46.94% | 60.63% | -25,231 bps | |
| Share Growth (YoY) | 158.29% | 100.01% | 47.11% | 2.99% | -2.85% | -3.02% | -10.95% | 0.41% | -258 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 9.79% | 2.94% | 1.25% | 6.25% | 8.86% | 21.13% | 13.55% | 12.40% | +614 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 | 6.98% | 6.68% | 5.87% | 5.15% | 5.34% | 3.05% | 4.42% | 3.06% | -209 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | -0.34% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | -0.34% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 16.34% | 25.07% | 26.23% | 33.54% | 33.04% | 40.62% | 43.29% | 53.66% | +2,012 bps | |
| Liquid Assets / Assets | 79.48% | 72.50% | 67.83% | 69.12% | 68.86% | 51.81% | 51.83% | 43.96% | -2,516 bps | |