PackageTrendsPeer
Letter portraitLegal landscape

American Standard Trenton Employees

Trenton, NJ · Charter 1178

Q4 2001

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 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.

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

American Standard Trenton Employees

Trenton, NJ · Charter 1178

Q4 2001

$47KAssets
$38KLoans
$1KShares
$45KNet Worth

Executive Summary

  • Earnings: ROA of -233.18%, down 23,253 bps year over year; NIM at -162.86%.
  • Asset quality: problem loans at 43.12% of loans (+3,726 bps YoY).
  • Capital: net worth / assets of 95.80%.
  • Funding: loans stand at 5285.83% of shares as of Q4 2001.

Return on Assets (YTD, annualized)

-233%-23,253 bps YoY

Net Interest Margin (YTD, annualized)

-162.86%-16,979 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

95.80%

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets2.30%0.89%4.61%-0.65%2.95%2.32%0.73%-233%-23,253 bps
Return on Equityn/an/an/an/an/a5.76%1.65%-243%n/a
Net Interest Marginn/an/an/a6.93%7.19%8.68%6.99%-162.86%-16,979 bps
Efficiency Ration/an/an/a108.86%61.97%74.52%89.70%n/an/a
Growth
Asset Growth (YoY)-4.12%3.99%-3.11%14.68%15.22%1.67%0.14%-88.11%-10,279 bps
Loan Growth (YoY)-14.40%-12.19%-15.28%-35.94%-15.22%0.13%-41.08%-74.26%-3,832 bps
Share Growth (YoY)-10.71%5.18%-4.80%27.20%25.52%-0.13%-2.87%-99.71%-12,691 bps
Asset Quality
Delinquent Loans / Loans8.71%7.56%6.01%5.85%4.65%7.68%8.76%43.12%+3,726 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans19.22%20.24%21.67%27.04%23.54%19.13%34.53%73.34%+4,630 bps
Capital
Risk-Based Capitaln/an/an/an/an/a40.21%44.22%95.80%n/a
Net Worth / Assetsn/an/an/an/an/a40.21%44.22%95.80%n/a
Liquidity & Funding
Loans / Shares101.01%86.25%91.62%60.40%68.23%86.47%55.57%5286%+522,544 bps
Liquid Assets / Assets29.67%28.54%38.69%3.76%0.25%55.72%76.74%65.24%+6,147 bps