New York, NY · Charter 60066
Q2 2000
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.17% | 5.09% | 6.37% | 4.49% | 5.27% | 3.19% | -0.45% | 2.39% | -210 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 | 5.44% | 5.74% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 95.80% | 58.31% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.10% | -21.73% | -18.33% | -5.83% | -11.52% | -9.90% | -6.72% | -6.69% | -87 bps | |
| Loan Growth (YoY) | -1.06% | -29.68% | -20.26% | -3.32% | -21.17% | -28.41% | -25.67% | -23.64% | -2,032 bps | |
| Share Growth (YoY) | -4.69% | -24.89% | -22.43% | -8.69% | -16.97% | -14.27% | -8.74% | -9.69% | -101 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.77% | 6.94% | 0.00% | 0.11% | 0.91% | 1.95% | 6.71% | 5.66% | +555 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 | 1.30% | 0.81% | 0.46% | 0.88% | 1.07% | 1.36% | 2.38% | 2.30% | +142 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 | 96.76% | 90.29% | 94.48% | 92.45% | 91.86% | 75.39% | 76.95% | 78.17% | -1,428 bps | |
| Liquid Assets / Assets | 1.67% | 17.90% | 13.56% | 19.95% | 0.00% | 0.00% | 0.00% | 0.00% | -1,995 bps | |