Morristown, NJ · Charter 20912
Q2 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.46% | 4.40% | 4.36% | 3.59% | 3.70% | 2.33% | 0.58% | 1.88% | -172 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 | 3.41% | 3.89% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 69.68% | 52.45% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.74% | 7.70% | 8.48% | 9.11% | 7.70% | 12.09% | 8.71% | 11.00% | +189 bps | |
| Loan Growth (YoY) | 37.52% | 11.10% | -4.93% | -20.37% | -32.62% | -34.20% | -37.42% | -32.67% | -1,230 bps | |
| Share Growth (YoY) | 4.61% | 5.29% | 5.76% | 6.70% | 5.24% | 11.78% | 9.08% | 11.30% | +459 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.43% | 2.18% | 5.56% | 4.64% | 7.49% | 3.76% | 5.03% | 3.63% | -101 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 | 1.29% | 1.51% | 1.86% | 2.11% | 2.18% | 2.88% | 3.31% | 2.19% | +9 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 | 69.24% | 56.76% | 57.16% | 46.80% | 44.34% | 33.41% | 32.79% | 28.32% | -1,849 bps | |
| Liquid Assets / Assets | 22.86% | 27.23% | 41.58% | 35.79% | 51.37% | 58.69% | 68.62% | 57.95% | +2,216 bps | |