PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Orange Municipal

Orange, NJ · Charter 16146

Q4 1999

$351KAssets
$233KLoans
$328KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of -0.84%, down 411 bps year over year; NIM at 8.27%.
  • Asset quality: problem loans at 6.87% of loans (-938 bps YoY).
  • Funding: loans stand at 71.07% of shares as of Q4 1999.

Return on Assets (quarter, annualized)

-0.84%-411 bps YoY

Net Interest Margin (quarter, annualized)

8.27%
n/a

Efficiency Ratio (quarter, annualized)

110.01%
n/a

Net Worth / Assets

n/a
n/a

Discrete quarter, annualized.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets3.17%3.77%1.88%3.28%3.97%3.46%2.06%-0.84%-411 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a8.27%n/an/a
Efficiency Ration/an/an/an/an/an/an/a110.01%n/an/a
Growth
Asset Growth (YoY)-48.01%-45.86%-33.66%-12.48%-17.07%-18.69%-18.17%-10.27%+221 bps
Loan Growth (YoY)-27.42%-36.06%-38.60%-27.67%-36.11%-26.08%-21.88%-14.50%+1,318 bps
Share Growth (YoY)-46.79%-47.04%-35.57%-14.27%-18.96%-20.90%-19.66%-10.15%+412 bps
Asset Quality
Delinquent Loans / Loans15.31%18.69%7.17%16.25%14.18%10.89%1.92%6.87%-938 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans8.22%12.89%6.89%7.99%11.60%11.25%3.21%4.34%-365 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares96.83%85.34%72.97%74.69%76.33%79.75%70.94%71.07%-361 bps
Liquid Assets / Assets12.09%21.62%24.79%24.39%28.74%26.96%27.89%27.89%+350 bps