Newark, NJ · Charter 24259
Q4 2004
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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.20% | -0.93% | -0.55% | 0.64% | -0.30% | -0.59% | -0.25% | 0.68% | +4 bps | |
| Return on Equity | 2.41% | -12.88% | -8.06% | 8.19% | -3.89% | -7.67% | -3.12% | 8.56% | +38 bps | |
| Net Interest Margin | 4.18% | 2.61% | 2.87% | 3.75% | 3.82% | 3.20% | 3.16% | 3.96% | +21 bps | |
| Efficiency Ratio | 95.27% | 134.37% | 118.41% | 83.55% | 107.88% | 116.85% | 107.24% | 83.69% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.92% | -3.79% | -3.30% | -1.20% | 1.89% | -1.24% | -2.22% | -2.14% | -94 bps | |
| Loan Growth (YoY) | -13.52% | 7.84% | -3.80% | -27.31% | -9.14% | -32.11% | -23.36% | -20.45% | +686 bps | |
| Share Growth (YoY) | -5.20% | -4.09% | -3.55% | -0.30% | 2.66% | -1.43% | -2.81% | -2.23% | -193 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.56% | 2.13% | 2.21% | 4.12% | 0.85% | 0.95% | 9.05% | 9.70% | +557 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 | 2.48% | 2.15% | 2.47% | 1.21% | 1.29% | 1.45% | 1.09% | 0.00% | -121 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.28% | 7.18% | 6.83% | 7.81% | 7.75% | 7.69% | 7.88% | 7.90% | +8 bps | |
| Net Worth / Assets | 8.28% | 7.18% | 6.83% | 7.81% | 7.75% | 7.69% | 7.88% | 7.90% | +8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.42% | 70.50% | 65.69% | 57.05% | 53.48% | 48.56% | 51.80% | 46.42% | -1,063 bps | |
| Liquid Assets / Assets | 42.98% | 33.95% | 39.36% | 46.05% | 49.39% | 54.40% | 51.92% | 56.13% | +1,009 bps | |