Vauxhall, NJ · Charter 24072
Q4 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2002, the quarter ended December 31, 2002, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Vauxhall, NJ · Charter 24072
Q4 2002
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 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.02% | 0.59% | 1.47% | -12.72% | -5.65% | -3.25% | -2.72% | -4.95% | +777 bps | |
| Return on Equity | n/a | n/a | 4.60% | -35.66% | -15.16% | -9.15% | -7.48% | -14.43% | +2,123 bps | |
| Net Interest Margin | 4.33% | 3.06% | 4.52% | 4.80% | 4.52% | 1.35% | 1.51% | 1.51% | -330 bps | |
| Efficiency Ratio | 99.42% | 80.72% | 67.62% | 365% | 225% | 338% | 278% | 295% | -6,952 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.62% | 35.38% | 20.36% | -7.55% | -22.84% | -47.31% | -35.05% | -18.25% | -1,070 bps | |
| Loan Growth (YoY) | -42.88% | 47.09% | 50.84% | 98.07% | 32.97% | -53.26% | -54.85% | -83.60% | -18,167 bps | |
| Share Growth (YoY) | 3.09% | 84.00% | 32.91% | -5.68% | -24.45% | -55.27% | -40.14% | -16.53% | -1,086 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 29.97% | 11.07% | 11.85% | 25.20% | 49.29% | 23.69% | 26.25% | 0.00% | -2,520 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 | 39.11% | 14.35% | 15.36% | 17.37% | 42.38% | 44.24% | 49.02% | 0.00% | -1,737 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 31.83% | 35.66% | 37.25% | 35.54% | 36.36% | 34.32% | -135 bps | |
| Net Worth / Assets | n/a | n/a | 31.83% | 35.66% | 37.25% | 35.54% | 36.36% | 34.32% | -135 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 24.36% | 38.18% | 49.96% | 61.03% | 42.87% | 39.89% | 37.68% | 11.99% | -4,904 bps | |
| Liquid Assets / Assets | 65.13% | 0.00% | 62.76% | 63.05% | 78.01% | 81.49% | 84.26% | 89.75% | +2,670 bps | |