Jersey City, NJ · Charter 19436
Q4 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.77% | 1.09% | 1.13% | 0.21% | 0.78% | 0.95% | -0.16% | -0.59% | -80 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 7.38% | -1.28% | -5.25% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 3.99% | 4.59% | 4.93% | 3.58% | 3.17% | -82 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 91.70% | 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 / Loans | 10.38% | 8.90% | 10.65% | 13.90% | 0.91% | 1.71% | 0.04% | 0.04% | -1,387 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 | 11.30% | 7.94% | 13.64% | 12.43% | 1.32% | 2.87% | 2.53% | 2.76% | -967 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 12.91% | 12.31% | 11.29% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 12.91% | 12.31% | 11.29% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 24.68% | 16.81% | 9.96% | 10.30% | 20.38% | 26.19% | 24.75% | 25.95% | +1,565 bps | |
| Liquid Assets / Assets | 66.59% | 71.93% | 65.14% | 10.03% | 15.75% | 75.14% | 76.70% | 60.61% | +5,058 bps | |