PackageTrendsPeer
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Greater Morristown Area

Morristown, NJ · Charter 21815

Q4 2000

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Greater Morristown Area

Morristown, NJ · Charter 21815

Q4 2000

$30KAssets
$1KLoans
$28KShares
$2KNet Worth

Executive Summary

  • Earnings: ROA of -2.23%, up 221 bps year over year; NIM at 3.43%.
  • Asset quality: problem loans at 75.90% of loans (+7,590 bps YoY).
  • Capital: net worth / assets of 6.30%.
  • Funding: loans stand at 4.28% of shares as of Q4 2000.

Return on Assets (YTD, annualized)

-2.23%+221 bps YoY

Net Interest Margin (YTD, annualized)

3.43%

Efficiency Ratio (YTD, annualized)

130.73%

Net Worth / Assets

6.30%
n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets0.47%1.77%-0.90%-4.44%-4.44%-12.70%-4.48%-2.23%+221 bps
Return on Equityn/an/an/an/an/an/an/a-35.44%n/an/a
Net Interest Marginn/an/an/an/an/a2.84%2.20%3.43%n/a
Efficiency Ration/an/an/an/an/a443%197.58%130.73%n/a
Growth
Asset Growth (YoY)10.62%2.10%-10.69%-14.13%-25.26%-30.22%-25.59%-17.48%-334 bps
Loan Growth (YoY)318%-25.06%300%-23.36%-36.13%21.96%-73.27%-67.75%-4,440 bps
Share Growth (YoY)14.53%4.09%-12.51%-12.27%-26.75%-19.76%-11.53%-3.21%+906 bps
Asset Quality
Delinquent Loans / Loans3.75%16.91%0.00%0.00%0.00%60.81%69.28%75.90%+7,590 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans10.34%46.86%11.70%16.25%16.25%38.42%69.28%79.73%+6,349 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a6.30%n/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a6.30%n/an/a
Liquidity & Funding
Loans / Shares14.74%3.55%16.24%12.86%12.86%5.39%4.91%4.28%-857 bps
Liquid Assets / Assets70.69%85.45%77.98%80.43%80.43%0.00%0.00%98.22%+1,779 bps