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Public Service E D

Watchung, NJ · Charter 10574

Q4 2000

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Public Service E D

Watchung, NJ · Charter 10574

Q4 2000

$4.4MAssets
$2.2MLoans
$3.0MShares
$1.4MNet Worth

Executive Summary

  • Earnings: ROA of 0.37%, down 364 bps year over year; NIM at 2.39%.
  • Asset quality: problem loans at 3.13% of loans (-13 bps YoY).
  • Capital: net worth / assets of 31.37%.
  • Funding: loans stand at 74.60% of shares as of Q4 2000.

Return on Assets (YTD, annualized)

0.37%-364 bps YoY

Net Interest Margin (YTD, annualized)

2.39%

Efficiency Ratio (YTD, annualized)

84.44%

Net Worth / Assets

31.37%
n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets4.05%4.55%3.09%4.02%3.68%1.14%2.06%0.37%-364 bps
Return on Equityn/an/an/an/an/an/an/a1.19%n/an/a
Net Interest Marginn/an/an/an/an/a2.69%3.63%2.39%n/a
Efficiency Ration/an/an/an/an/a57.75%43.32%84.44%n/a
Growth
Asset Growth (YoY)8.22%9.01%13.66%8.71%7.11%8.36%1.22%-4.90%-1,361 bps
Loan Growth (YoY)20.80%11.57%12.84%7.16%8.91%4.79%2.25%-0.24%-740 bps
Share Growth (YoY)4.70%5.67%12.00%7.12%8.47%10.55%-1.23%-8.69%-1,581 bps
Asset Quality
Delinquent Loans / Loans3.06%3.81%8.47%3.26%3.56%1.35%1.84%3.13%-13 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.02%2.11%2.07%3.12%3.19%1.65%1.46%1.44%-168 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a31.37%n/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a31.37%n/an/a
Liquidity & Funding
Loans / Shares64.65%66.57%63.89%68.28%64.92%63.10%66.14%74.60%+632 bps
Liquid Assets / Assets51.84%42.56%51.85%49.39%53.72%18.03%51.10%47.90%-150 bps