Newark, NJ · Charter 21369
Q4 2001
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.67% | 1.51% | 3.19% | 0.40% | -1.22% | -1.45% | -2.96% | -2.94% | -334 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | -23.38% | -127.44% | -249% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 6.94% | 5.25% | 3.69% | 4.55% | 4.80% | -214 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 82.69% | 92.27% | 112.32% | 143.84% | 143.40% | +6,071 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.07% | -4.12% | 3.90% | 0.41% | 21.49% | 59.49% | 64.67% | 57.46% | +5,705 bps | |
| Loan Growth (YoY) | 52.66% | 30.58% | 21.64% | 29.08% | 13.29% | 48.60% | 27.76% | 8.14% | -2,094 bps | |
| Share Growth (YoY) | -10.17% | -3.53% | 6.72% | 2.10% | 26.41% | 69.52% | 82.28% | 74.16% | +7,206 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.95% | 5.94% | 4.90% | 4.81% | 4.17% | 1.88% | 3.36% | 7.25% | +243 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 | 3.88% | 3.78% | 4.04% | 4.65% | 2.47% | 2.29% | 6.79% | 7.50% | +285 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 6.22% | 2.32% | 1.18% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 6.22% | 2.32% | 1.18% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.54% | 89.33% | 87.98% | 97.58% | 77.56% | 78.31% | 61.66% | 60.59% | -3,699 bps | |
| Liquid Assets / Assets | 1.10% | 19.89% | 3.53% | 13.14% | 0.20% | 23.41% | 38.61% | 41.27% | +2,814 bps | |