Demarest, NJ · Charter 11925
Q2 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 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.53% | 1.96% | 2.19% | 2.45% | 2.14% | 1.94% | -1.21% | 1.06% | -139 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | 8.72% | 7.87% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 93.50% | 81.97% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.95% | 17.68% | 18.91% | 15.06% | 16.77% | 15.88% | 16.46% | 39.02% | +2,396 bps | |
| Loan Growth (YoY) | 21.45% | 2.38% | 0.74% | 1.85% | 17.43% | 27.51% | 55.45% | 134.92% | +13,308 bps | |
| Share Growth (YoY) | 21.17% | 18.33% | 21.34% | 16.13% | 20.30% | 18.51% | 17.70% | 48.79% | +3,266 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.61% | 0.57% | 0.00% | 0.57% | 0.87% | 1.65% | 5.76% | 0.06% | -51 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 | 0.97% | 1.59% | 1.02% | 0.95% | 0.59% | 1.36% | 1.84% | 0.32% | -63 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.86% | 60.95% | 64.45% | 56.48% | 72.11% | 65.58% | 85.12% | 89.18% | +3,270 bps | |
| Liquid Assets / Assets | 23.60% | 34.65% | 42.82% | 36.02% | 24.04% | 21.24% | 15.38% | 11.08% | -2,494 bps | |