Long Branch, NJ · Charter 19403
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 | 3.05% | 3.81% | 2.92% | 1.65% | 7.47% | 5.88% | 4.91% | 3.22% | +156 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 | 22.25% | 22.27% | 14.27% | 33.78% | 42.49% | 53.27% | +3,099 bps | |
| Loan Growth (YoY) | n/a | n/a | -20.81% | -5.37% | 11.48% | 23.66% | 34.25% | 7.95% | +1,332 bps | |
| Share Growth (YoY) | n/a | n/a | 19.17% | 29.31% | 16.53% | 34.71% | 43.69% | 44.92% | +1,561 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 11.49% | 10.23% | 8.33% | 22.02% | 6.16% | 17.76% | 9.84% | 25.51% | +349 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 | 10.36% | 7.82% | 9.39% | 11.51% | 10.44% | 6.88% | 7.91% | 11.36% | -15 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 | 61.53% | 56.31% | 48.66% | 52.05% | 58.86% | 51.69% | 45.47% | 38.77% | -1,328 bps | |
| Liquid Assets / Assets | 27.22% | 24.85% | 26.21% | 32.45% | 24.85% | 26.97% | 14.29% | 14.02% | -1,843 bps | |