New York, NY · Charter 2864
Q2 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.60% | 2.33% | 1.92% | -1.08% | -1.47% | 2.34% | -17.24% | 0.11% | +118 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 | 4.42% | -17.51% | -8.63% | 3.24% | -9.09% | -21.47% | -19.34% | -1,070 bps | |
| Loan Growth (YoY) | n/a | -8.21% | -33.81% | -25.29% | -19.90% | -28.89% | -60.65% | -66.40% | -4,111 bps | |
| Share Growth (YoY) | n/a | -5.60% | -26.26% | -14.83% | -0.51% | -15.59% | -27.56% | -32.08% | -1,725 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.54% | 1.44% | 2.76% | 62.13% | 4.87% | 32.82% | 79.78% | 100.00% | +3,787 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 | 2.52% | 2.67% | 3.27% | 4.19% | 3.30% | 3.94% | 79.78% | 48.28% | +4,410 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 | 51.95% | 47.52% | 47.58% | 36.40% | 41.83% | 40.04% | 25.84% | 18.01% | -1,839 bps | |
| Liquid Assets / Assets | 45.49% | 44.76% | 39.03% | 38.76% | 47.57% | 40.65% | 6.32% | 6.25% | -3,250 bps | |