Bayonne, NJ · Charter 23512
Q2 1998
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.18% | 1.90% | 1.84% | 2.09% | 0.27% | -0.76% | -1.29% | -314% | -31,584 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 | n/a | n/a | -16.04% | -31.58% | -50.02% | -65.42% | -99.77% | -8,373 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | -61.63% | -62.81% | -71.02% | -89.43% | -100.00% | -3,837 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | -16.99% | -32.88% | -50.65% | -65.76% | -100.00% | -8,301 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 15.35% | 21.31% | 17.90% | 8.95% | 9.57% | 12.98% | 16.65% | n/a | n/a | |
| 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 | 23.76% | 17.55% | 19.99% | 28.29% | 36.02% | 36.85% | 89.19% | n/a | n/a | |
| 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 | 7.07% | 4.86% | 5.23% | 3.49% | 3.92% | 2.85% | 1.61% | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 91.20% | 34.30% | 88.40% | 85.80% | 75.62% | 73.00% | 0.00% | -8,840 bps | |