Trenton, NJ · Charter 1178
Q4 2001
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.30% | 0.89% | 4.61% | -0.65% | 2.95% | 2.32% | 0.73% | -233% | -23,253 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 5.76% | 1.65% | -243% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 6.93% | 7.19% | 8.68% | 6.99% | -162.86% | -16,979 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 108.86% | 61.97% | 74.52% | 89.70% | n/a | n/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 / Loans | 8.71% | 7.56% | 6.01% | 5.85% | 4.65% | 7.68% | 8.76% | 43.12% | +3,726 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 | 19.22% | 20.24% | 21.67% | 27.04% | 23.54% | 19.13% | 34.53% | 73.34% | +4,630 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 40.21% | 44.22% | 95.80% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 40.21% | 44.22% | 95.80% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 101.01% | 86.25% | 91.62% | 60.40% | 68.23% | 86.47% | 55.57% | 5286% | +522,544 bps | |
| Liquid Assets / Assets | 29.67% | 28.54% | 38.69% | 3.76% | 0.25% | 55.72% | 76.74% | 65.24% | +6,147 bps | |