Hackettstown, NJ · Charter 23765
Q2 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.42% | 5.19% | 5.10% | 1.28% | 1.48% | 2.70% | 2.79% | 2.70% | +141 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 | -19.96% | -11.03% | -10.71% | -18.99% | -21.86% | -13.26% | -12.57% | -186 bps | |
| Loan Growth (YoY) | n/a | 9.89% | -6.71% | -14.12% | -20.40% | -25.61% | -26.96% | -11.53% | +259 bps | |
| Share Growth (YoY) | n/a | -23.02% | -15.19% | -13.40% | -20.34% | -23.57% | -13.44% | -13.61% | -21 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.76% | 1.36% | 1.35% | 1.99% | 0.79% | 0.14% | 0.36% | 0.14% | -185 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 | 1.83% | 1.68% | 1.49% | 1.10% | 1.00% | 1.19% | 1.11% | 1.19% | +9 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 | 96.21% | 93.31% | 96.97% | 88.69% | 96.13% | 90.82% | 81.82% | 90.82% | +213 bps | |
| Liquid Assets / Assets | 8.54% | 8.59% | 4.85% | 9.95% | 4.92% | 15.29% | 19.61% | 15.29% | +534 bps | |