Syosset, NY · Charter 7787
Q2 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.83% | 4.48% | 1.00% | 1.09% | 0.73% | 0.79% | 0.44% | 0.10% | -98 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 3.80% | 4.13% | 2.57% | 0.73% | n/a | |
| Net Interest Margin | n/a | n/a | 2.06% | 2.47% | 2.74% | 3.09% | 2.61% | 1.84% | -63 bps | |
| Efficiency Ratio | n/a | n/a | 52.15% | 56.11% | 73.38% | 75.05% | 83.25% | 94.36% | +3,824 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 27.11% | 26.15% | 24.26% | 14.29% | 2.37% | 3.69% | 11.59% | 33.38% | +1,909 bps | |
| Loan Growth (YoY) | -8.36% | 3.28% | 6.55% | 19.34% | 35.66% | 37.88% | 10.46% | -10.83% | -3,017 bps | |
| Share Growth (YoY) | 30.73% | 29.66% | 27.07% | 14.58% | 0.67% | 2.36% | 13.01% | 40.18% | +2,560 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 9.10% | 5.56% | 5.36% | 5.38% | 6.98% | 5.83% | 4.41% | 3.06% | -232 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 | 17.69% | 16.86% | 15.42% | 13.22% | 11.67% | 10.74% | 12.24% | 13.65% | +43 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 19.24% | 19.13% | 17.20% | 14.33% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 19.24% | 19.13% | 17.20% | 14.33% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 27.60% | 28.84% | 29.40% | 32.66% | 37.19% | 38.85% | 28.74% | 20.78% | -1,188 bps | |
| Liquid Assets / Assets | 29.34% | 36.65% | 34.76% | 69.71% | 41.20% | 70.34% | 35.89% | 23.03% | -4,667 bps | |