West Paterson, NJ · Charter 23239
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 | 3.01% | 3.53% | 3.59% | 2.79% | 1.63% | 2.35% | 2.42% | 1.81% | -98 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 | -13.88% | -17.22% | -14.91% | -27.59% | -28.28% | -22.16% | -16.25% | -134 bps | |
| Loan Growth (YoY) | n/a | 28.73% | -3.48% | -16.26% | -26.82% | -35.49% | -40.72% | -37.72% | -2,147 bps | |
| Share Growth (YoY) | n/a | -10.17% | -17.49% | -16.10% | -26.86% | -27.92% | -21.63% | -15.64% | +46 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.89% | 1.18% | 1.65% | 2.34% | 2.63% | 2.61% | 4.96% | 3.33% | +99 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 | 2.92% | 1.67% | 1.56% | 1.76% | 4.83% | 5.37% | 4.29% | 3.02% | +126 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 | 54.35% | 51.06% | 55.98% | 53.80% | 54.37% | 45.69% | 42.34% | 39.71% | -1,409 bps | |
| Liquid Assets / Assets | 21.93% | 29.20% | 23.32% | 30.42% | 26.34% | 33.21% | 41.29% | 46.00% | +1,558 bps | |