North Bergen, NJ · Charter 13400
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 30, 2002, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
North Bergen, NJ · Charter 13400
Q2 2002
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 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.90% | 4.56% | 0.62% | 0.35% | 0.87% | 1.82% | 0.17% | -1.32% | -167 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 3.93% | 8.26% | 0.76% | -4.34% | n/a | |
| Net Interest Margin | n/a | n/a | 6.27% | 6.43% | 6.52% | 6.17% | 5.87% | 3.10% | -333 bps | |
| Efficiency Ratio | n/a | n/a | 43.14% | 36.82% | 45.74% | 55.14% | 60.42% | 131.56% | +9,475 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.59% | 2.97% | 9.10% | 1.13% | 4.85% | -0.92% | -2.26% | -30.39% | -3,152 bps | |
| Loan Growth (YoY) | 16.22% | 24.42% | 32.78% | 30.05% | 19.42% | 0.42% | -17.66% | -40.97% | -7,102 bps | |
| Share Growth (YoY) | -3.13% | -0.05% | 5.95% | -1.78% | 0.78% | -2.86% | -3.19% | -44.58% | -4,280 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.15% | 3.86% | 8.01% | 6.54% | 10.03% | 13.28% | 9.01% | 16.77% | +1,022 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 | 2.81% | 3.01% | 4.79% | 5.34% | 6.29% | 5.13% | 4.93% | 7.87% | +253 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 22.05% | 22.05% | 22.10% | 30.38% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 22.05% | 22.05% | 22.10% | 30.38% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.26% | 86.17% | 92.42% | 98.56% | 106.95% | 89.08% | 78.61% | 104.98% | +642 bps | |
| Liquid Assets / Assets | 7.02% | 27.17% | 11.59% | 11.85% | 17.60% | 24.17% | 35.86% | 35.39% | +2,353 bps | |