Newark, NJ · Charter 13133
Q3 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1998 | Q1 1999 | Q2 1999 | Q3 1999 | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.17% | 3.83% | 3.85% | 0.41% | 0.57% | 0.72% | 0.77% | 0.82% | +41 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 | 2.36% | 2.45% | 2.83% | 2.87% | 2.90% | +53 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 78.18% | 74.53% | 71.67% | 70.35% | 68.95% | -923 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.49% | 6.88% | 7.45% | 5.87% | 5.36% | 0.52% | -0.32% | -1.05% | -692 bps | |
| Loan Growth (YoY) | 0.34% | -2.51% | 1.01% | 8.17% | 5.47% | 1.53% | -3.64% | -4.26% | -1,242 bps | |
| Share Growth (YoY) | 1.38% | 6.22% | 7.36% | 5.95% | 5.52% | -0.10% | -1.24% | -2.19% | -815 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.34% | 1.57% | 1.97% | 2.13% | 1.22% | 0.95% | 0.40% | 0.40% | -173 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 | 0.57% | 0.57% | 0.56% | 0.66% | 0.63% | 0.71% | 0.58% | 0.63% | -3 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 | 54.74% | 53.01% | 55.03% | 55.56% | 54.71% | 53.87% | 53.69% | 54.39% | -117 bps | |
| Liquid Assets / Assets | 37.18% | 25.55% | 21.93% | 7.76% | 8.38% | 9.53% | 12.10% | 13.88% | +611 bps | |