Brooklyn, NY · Charter 63233
Q2 1998
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 6.22% | 4.22% | 5.06% | 5.39% | 4.90% | 3.23% | 3.72% | 2.35% | -303 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 | n/a | n/a | 10.29% | 7.59% | 7.41% | 6.68% | 2.81% | -748 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | 6.42% | 20.66% | 65.90% | 65.97% | 54.95% | +4,853 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | 8.54% | 6.20% | 7.42% | 6.93% | 3.56% | -498 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.34% | 4.77% | 3.41% | 3.26% | 2.90% | 8.78% | 6.13% | 2.46% | -80 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 | 4.09% | 4.61% | 3.98% | 3.43% | 3.52% | 3.62% | 3.17% | 4.11% | +68 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 | 61.99% | 62.71% | 67.69% | 64.36% | 70.43% | 96.85% | 105.06% | 96.29% | +3,193 bps | |
| Liquid Assets / Assets | 48.44% | 47.39% | 43.60% | 44.65% | 36.64% | 28.61% | 19.63% | 17.95% | -2,670 bps | |