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Christ Hospital

Jersey City, NJ · Charter 19436

Q4 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: Q4 2001, the quarter ended December 31, 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

Christ Hospital

Jersey City, NJ · Charter 19436

Q4 2001

$2.0MAssets
$452KLoans
$1.7MShares
$223KNet Worth

Executive Summary

  • Earnings: ROA of -0.59%, down 80 bps year over year; NIM at 3.17%.
  • Asset quality: problem loans at 0.04% of loans (-1,387 bps YoY).
  • Capital: net worth / assets of 11.29%.
  • Funding: loans stand at 25.95% of shares as of Q4 2001.

Return on Assets (YTD, annualized)

-0.59%-80 bps YoY

Net Interest Margin (YTD, annualized)

3.17%-82 bps YoY

Efficiency Ratio (YTD, annualized)

116.61%+2,491 bps YoY

Net Worth / Assets

11.29%

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets0.77%1.09%1.13%0.21%0.78%0.95%-0.16%-0.59%-80 bps
Return on Equityn/an/an/an/an/a7.38%-1.28%-5.25%n/a
Net Interest Marginn/an/an/a3.99%4.59%4.93%3.58%3.17%-82 bps
Efficiency Ration/an/an/a91.70%76.15%73.60%101.40%116.61%+2,491 bps
Growth
Asset Growth (YoY)-7.72%7.48%-5.55%-10.04%-9.95%-12.21%-6.90%1.50%+1,154 bps
Loan Growth (YoY)-69.82%-72.93%-78.88%-72.14%-26.75%32.81%125.98%154.97%+22,710 bps
Share Growth (YoY)-5.88%3.65%-3.78%-10.53%-11.28%-14.75%-9.06%1.21%+1,174 bps
Asset Quality
Delinquent Loans / Loans10.38%8.90%10.65%13.90%0.91%1.71%0.04%0.04%-1,387 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans11.30%7.94%13.64%12.43%1.32%2.87%2.53%2.76%-967 bps
Capital
Risk-Based Capitaln/an/an/an/an/a12.91%12.31%11.29%n/a
Net Worth / Assetsn/an/an/an/an/a12.91%12.31%11.29%n/a
Liquidity & Funding
Loans / Shares24.68%16.81%9.96%10.30%20.38%26.19%24.75%25.95%+1,565 bps
Liquid Assets / Assets66.59%71.93%65.14%10.03%15.75%75.14%76.70%60.61%+5,058 bps