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Ridgewood Savings Bank of NJ

Ridgewood, NJ · Cert 28632

FDIC

Q1 2001

$292.6MAssets
$186.6MLoans
$242.2MDeposits
$23.7MEquity
Loan mix
98%RE $176.8M2%C&I $3.4M0%Consumer $0.1MQ2 1999Q1 2001
Deposit mix
98%Interest-bearing $237.8M2%Noninterest $4.5MQ2 1999Q1 2001

Executive Summary

  • Earnings: ROA of 0.19%, down 26 bps year over year; NIM at 1.78%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 77.02% of deposits as of Q1 2001.

Return on Assets (quarter, annualized)

0.19%-26 bps YoY

Net Interest Margin (quarter, annualized)

1.78%
n/a

Efficiency Ratio (quarter, annualized)

92.37%
n/a

Tier 1 Leverage Ratio

n/a
n/a

NIM

Non-interest income vs. expense

Discrete quarter, annualized.

MetricQ2 1999Q3 1999Q4 1999Q1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets-0.27%-0.03%0.10%0.44%0.38%0.35%0.30%0.19%-26 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a1.78%n/an/a
Efficiency Ration/an/an/an/an/an/an/a92.37%n/an/a
Non-Interest Burdenn/an/an/an/an/an/an/a1.64%n/an/a
Growth
Asset Growth (YoY)9.41%5.66%-0.57%7.04%6.26%7.64%4.53%6.64%-39 bps
Loan Growth (YoY)31.46%41.17%56.48%51.34%32.85%26.42%10.24%7.69%-4,365 bps
Deposit Growth (YoY)-3.95%-2.34%-9.36%4.73%9.18%13.93%14.56%17.66%+1,293 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a0.00%n/an/a
Allowance / Loansn/an/an/an/an/an/an/a0.54%n/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/a17.73%n/an/a
Equity / Assetsn/an/an/an/an/an/an/a8.10%n/an/a
Liquidity & Funding
Loans / Deposits71.77%76.48%82.36%84.15%87.33%84.87%79.25%77.02%-712 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%12.00%+1,200 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a