Elizabeth, NJ · Charter 22550
Q2 1999
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 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 6.38% | 5.12% | 6.05% | 4.95% | 4.30% | 4.01% | 1.58% | -1.64% | -659 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 | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | 8.98% | 4.76% | -0.21% | 21.25% | 49.64% | 54.23% | 44.30% | +4,451 bps | |
| Loan Growth (YoY) | n/a | -1.89% | 0.75% | -2.58% | 8.72% | 71.64% | 86.94% | 79.71% | +8,229 bps | |
| Share Growth (YoY) | n/a | 27.87% | 23.54% | 21.73% | 21.58% | 53.42% | 64.22% | 56.53% | +3,480 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.48% | 7.58% | 8.26% | 11.99% | 6.92% | 1.91% | 3.24% | 4.83% | -715 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 | 6.42% | 7.06% | 4.69% | 7.10% | 4.00% | 2.10% | 2.58% | 8.61% | +151 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 | 61.06% | 54.76% | 59.24% | 57.39% | 54.60% | 61.26% | 67.44% | 65.89% | +850 bps | |
| Liquid Assets / Assets | 30.48% | 19.01% | 18.91% | 30.15% | 26.78% | 34.79% | 27.39% | 29.31% | -84 bps | |