Rosedale, NY · Charter 4959
Q2 1999
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 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.25% | 3.06% | 3.27% | 2.88% | 3.13% | 3.06% | 1.99% | 3.39% | +50 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 | -8.95% | -7.04% | -7.82% | -5.82% | -2.58% | -3.46% | -5.25% | +257 bps | |
| Loan Growth (YoY) | n/a | 23.28% | -0.54% | -9.82% | -6.83% | -5.53% | -8.31% | -4.55% | +527 bps | |
| Share Growth (YoY) | n/a | -8.74% | -9.05% | -9.19% | -7.21% | -2.58% | -4.03% | -5.79% | +340 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.64% | 2.30% | 3.16% | 3.05% | 3.98% | 4.50% | 2.72% | 3.22% | +17 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 | 3.73% | 3.15% | 3.06% | 2.87% | 2.53% | 2.36% | 2.34% | 2.38% | -50 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 | 48.12% | 43.26% | 46.02% | 41.60% | 48.31% | 41.95% | 43.97% | 42.14% | +54 bps | |
| Liquid Assets / Assets | 51.66% | 52.82% | 50.50% | 51.30% | 51.10% | 51.39% | 55.74% | 56.83% | +552 bps | |