New York, NY · Charter 63857
Q4 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2001, the quarter ended December 31, 2001, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
New York, NY · Charter 63857
Q4 2001
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.49% | 1.60% | 1.54% | 0.02% | 0.54% | 1.05% | 0.77% | 0.70% | +69 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 13.75% | 10.36% | 9.00% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 3.97% | 4.17% | 4.67% | 3.94% | 3.85% | -12 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 86.65% | 78.30% | 69.93% | 73.93% | 77.12% | -953 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.30% | 12.70% | 13.61% | 15.33% | 13.97% | 11.51% | 9.42% | 12.75% | -258 bps | |
| Loan Growth (YoY) | -12.26% | -4.44% | -1.43% | -3.58% | 3.04% | 3.48% | 24.05% | 63.07% | +6,664 bps | |
| Share Growth (YoY) | 10.95% | 13.81% | 15.41% | 17.11% | 15.17% | 11.84% | 8.47% | 11.97% | -513 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.11% | 6.11% | 5.73% | 5.14% | 3.58% | 3.72% | 2.93% | 4.53% | -60 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 | 4.24% | 3.71% | 4.37% | 3.78% | 3.83% | 4.64% | 4.35% | 3.51% | -27 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 7.66% | 7.43% | 7.83% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 7.66% | 7.43% | 7.83% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 18.32% | 20.41% | 17.09% | 17.75% | 16.40% | 18.89% | 19.54% | 25.85% | +810 bps | |
| Liquid Assets / Assets | 64.35% | 53.32% | 54.32% | 5.64% | 23.19% | 40.40% | 63.42% | 54.79% | +4,915 bps | |