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Fed-Win

Totowa Boro, NJ · Charter 12215

Q2 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: Q2 2001, the quarter ended June 30, 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

Fed-Win

Totowa Boro, NJ · Charter 12215

Q2 2001

$1.9MAssets
$1.4MLoans
$1.6MShares
$307KNet Worth

Executive Summary

  • Earnings: ROA of 0.75%, down 260 bps year over year; NIM at 7.47%.
  • Asset quality: problem loans at 0.85% of loans (-1,314 bps YoY).
  • Capital: net worth / assets of 16.47%.
  • Funding: loans stand at 89.19% of shares as of Q2 2001.

Return on Assets (YTD, annualized)

0.75%-260 bps YoY

Net Interest Margin (YTD, annualized)

7.47%

Efficiency Ratio (YTD, annualized)

88.40%

Net Worth / Assets

16.47%

Year to date, annualized, through each quarter.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001YoY ΔTrend
Earnings
Return on Assets4.30%3.89%3.43%3.35%-4.07%0.96%0.29%0.75%-260 bps
Return on Equityn/an/an/an/an/an/a1.72%4.54%n/a
Net Interest Marginn/an/an/an/a4.04%5.75%6.20%7.47%n/a
Efficiency Ration/an/an/an/a88.49%77.27%86.38%88.40%n/a
Growth
Asset Growth (YoY)1.35%-11.40%-12.39%-14.22%-18.54%-12.64%-10.82%-5.70%+853 bps
Loan Growth (YoY)4.47%-1.72%12.99%10.25%0.25%41.23%45.30%80.19%+6,994 bps
Share Growth (YoY)1.78%-13.79%-14.66%-17.31%-18.12%-11.14%-9.15%-3.32%+1,399 bps
Asset Quality
Delinquent Loans / Loans3.68%6.18%4.87%13.99%7.84%1.69%0.96%0.85%-1,314 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans4.86%7.76%3.70%5.88%5.88%0.97%2.60%2.25%-363 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/a16.56%16.47%n/a
Net Worth / Assetsn/an/an/an/an/an/a16.56%16.47%n/a
Liquidity & Funding
Loans / Shares37.85%41.73%47.98%47.86%46.34%66.32%76.74%89.19%+4,134 bps
Liquid Assets / Assets59.61%53.76%53.71%55.78%55.72%38.98%33.42%21.30%-3,448 bps