Bellerose Manor, NY · Charter 7695
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 2000, 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.
Bellerose Manor, NY · Charter 7695
Q4 2000
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.78% | 0.38% | -2.46% | -1.36% | -5.62% | -740 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | -27.05% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 6.06% | 6.75% | 7.13% | n/a | |
| Efficiency Ratio | n/a | n/a | 129.52% | 119.42% | 178.52% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -19.69% | -23.29% | -21.20% | -20.12% | -18.12% | +157 bps | |
| Loan Growth (YoY) | -13.01% | -15.38% | -15.43% | -12.82% | -6.67% | +634 bps | |
| Share Growth (YoY) | -24.00% | -28.17% | -24.80% | -23.41% | -15.65% | +835 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.60% | 2.19% | 1.85% | 2.52% | 1.77% | -83 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.84% | 0.93% | 0.96% | 0.90% | 0.89% | +6 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 20.79% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 20.79% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.55% | 81.12% | 84.71% | 92.06% | 92.45% | +890 bps | |
| Liquid Assets / Assets | 30.63% | 36.92% | 32.09% | 16.32% | 27.14% | -349 bps | |