Paterson, NJ · Charter 12052
Q4 1998
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 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.03% | 2.41% | 4.17% | 4.31% | 4.27% | 5.26% | 6.39% | 1.54% | -278 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 | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | -24.47% | -15.25% | -14.63% | -30.92% | -39.01% | -96.55% | -8,130 bps | |
| Loan Growth (YoY) | n/a | n/a | -24.03% | -30.85% | -37.28% | -51.33% | -100.00% | -100.00% | -6,915 bps | |
| Share Growth (YoY) | n/a | n/a | -25.25% | -20.54% | -19.78% | -37.81% | -46.27% | -100.00% | -7,946 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 13.34% | 2.26% | 3.52% | 2.01% | 2.31% | 1.62% | n/a | n/a | n/a | |
| 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 | 5.62% | 5.76% | 6.57% | 7.27% | 8.85% | 11.83% | n/a | n/a | n/a | |
| 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 | 62.23% | 53.77% | 51.69% | 51.66% | 48.66% | 42.08% | 0.00% | n/a | n/a | |
| Liquid Assets / Assets | 30.65% | 14.15% | 43.97% | 45.38% | 57.51% | 54.02% | 97.16% | 43.88% | -149 bps | |