Morristown, NJ · Charter 21815
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 2000, 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.
Morristown, NJ · Charter 21815
Q4 2000
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -4.44% | -4.44% | -12.70% | -4.48% | -2.23% | +221 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | -35.44% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 2.84% | 2.20% | 3.43% | n/a | |
| Efficiency Ratio | n/a | n/a | 443% | 197.58% | 130.73% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -14.13% | -25.26% | -30.22% | -25.59% | -17.48% | -334 bps | |
| Loan Growth (YoY) | -23.36% | -36.13% | 21.96% | -73.27% | -67.75% | -4,440 bps | |
| Share Growth (YoY) | -12.27% | -26.75% | -19.76% | -11.53% | -3.21% | +906 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 60.81% | 69.28% | 75.90% | +7,590 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 16.25% | 16.25% | 38.42% | 69.28% | 79.73% | +6,349 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 6.30% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 6.30% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 12.86% | 12.86% | 5.39% | 4.91% | 4.28% | -857 bps | |
| Liquid Assets / Assets | 80.43% | 80.43% | 0.00% | 0.00% | 98.22% | +1,779 bps | |