Montclair, NJ · Charter 21810
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Montclair, NJ · Charter 21810
Q2 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 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.91% | 2.15% | 3.39% | 5.37% | 1.02% | 0.55% | -1.98% | 1.10% | -427 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | -18.95% | 10.09% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 5.00% | 6.21% | 6.30% | 7.06% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 77.96% | 91.16% | 106.69% | 78.24% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.75% | -7.21% | -18.03% | -19.89% | -16.18% | 4.16% | 41.55% | 43.28% | +6,317 bps | |
| Loan Growth (YoY) | -6.59% | -13.17% | -6.29% | -11.63% | 13.90% | 59.82% | 157.73% | 157.04% | +16,867 bps | |
| Share Growth (YoY) | -17.25% | -7.10% | -20.98% | -23.43% | -19.16% | 2.83% | 46.69% | 46.40% | +6,982 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.38% | 3.91% | 8.34% | 7.39% | 16.20% | 1.24% | 1.81% | 1.14% | -625 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 | 2.69% | 5.73% | 4.15% | 4.20% | 2.61% | 1.12% | 1.79% | 1.95% | -225 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 10.44% | 10.95% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 10.44% | 10.95% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.10% | 49.75% | 56.81% | 59.50% | 76.22% | 77.33% | 99.82% | 104.47% | +4,497 bps | |
| Liquid Assets / Assets | 46.40% | 1.66% | 45.65% | 41.36% | 27.75% | 25.23% | 9.44% | 7.63% | -3,373 bps | |