Edison,, NJ · Charter 23706
Q4 1998
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 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.15% | 3.42% | 2.98% | 2.42% | 1.24% | 1.97% | 1.70% | 2.75% | +33 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 | -3.49% | -1.63% | -8.61% | -15.35% | -21.84% | -37.39% | -3,576 bps | |
| Loan Growth (YoY) | n/a | n/a | 2.51% | 1.30% | -11.87% | -20.20% | -22.03% | -30.12% | -3,142 bps | |
| Share Growth (YoY) | n/a | n/a | -4.42% | -2.03% | -9.43% | -16.54% | -23.26% | -40.29% | -3,826 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.09% | 0.72% | 0.82% | 1.54% | 6.09% | 0.00% | 0.00% | 5.05% | +351 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 | 2.20% | 2.39% | 4.25% | 1.95% | 1.55% | 0.45% | 1.87% | 2.53% | +59 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 | 60.50% | 69.08% | 58.98% | 63.15% | 58.87% | 66.05% | 59.92% | 73.89% | +1,074 bps | |
| Liquid Assets / Assets | 27.83% | 25.03% | 41.81% | 35.28% | 40.01% | 33.46% | 42.23% | 26.03% | -925 bps | |