Bellerose Manor, NY · Charter 7695
Q4 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 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.75% | 1.64% | 1.82% | 1.78% | 0.38% | -2.46% | -1.36% | -5.62% | -740 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | -27.05% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 6.06% | 6.75% | 7.13% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 129.52% | 119.42% | 178.52% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.57% | -21.99% | -17.41% | -19.69% | -23.29% | -21.20% | -20.12% | -18.12% | +157 bps | |
| Loan Growth (YoY) | -6.94% | -29.34% | -17.54% | -13.01% | -15.38% | -15.43% | -12.82% | -6.67% | +634 bps | |
| Share Growth (YoY) | -16.86% | -20.03% | -21.35% | -24.00% | -28.17% | -24.80% | -23.41% | -15.65% | +835 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.94% | 3.98% | 2.83% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.71% | 0.76% | 0.76% | 0.84% | 0.93% | 0.96% | 0.90% | 0.89% | +6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | 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 | n/a | n/a | n/a | 20.79% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.86% | 75.32% | 80.88% | 83.55% | 81.12% | 84.71% | 92.06% | 92.45% | +890 bps | |
| Liquid Assets / Assets | 23.90% | 37.58% | 32.98% | 30.63% | 36.92% | 32.09% | 16.32% | 27.14% | -349 bps | |