Haverstraw, NY · Charter 6356
Q4 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 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.07% | 2.05% | 1.79% | 1.48% | 1.11% | 1.62% | 0.51% | 1.97% | +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 | 7.02% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 71.87% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.06% | 0.53% | -3.01% | -6.24% | -7.30% | -10.29% | -14.59% | -37.71% | -3,147 bps | |
| Loan Growth (YoY) | 40.94% | 18.35% | 54.45% | -14.74% | -15.10% | 10.64% | -28.76% | -41.25% | -2,651 bps | |
| Share Growth (YoY) | 5.99% | 0.56% | -4.90% | -9.55% | -10.69% | -15.09% | -21.37% | -56.66% | -4,711 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.71% | 7.32% | 5.46% | 7.36% | 3.78% | 2.02% | 23.59% | 35.20% | +2,784 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 | 10.49% | 10.76% | 8.91% | 11.06% | 12.36% | 7.72% | 9.93% | 14.94% | +388 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 | 38.02% | 37.46% | 44.85% | 38.87% | 36.15% | 48.81% | 40.63% | 52.68% | +1,382 bps | |
| Liquid Assets / Assets | 68.40% | 71.26% | 64.51% | 65.78% | 74.25% | 63.81% | 74.05% | 66.85% | +107 bps | |