Woodbridge, NJ · Charter 3294
Q4 1999
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 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.24% | 3.61% | 3.99% | 3.82% | 3.87% | 3.63% | 3.36% | 0.71% | -311 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 | 3.74% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 81.13% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | -23.48% | -16.57% | -7.65% | -7.33% | -1.95% | -2.45% | 1.66% | -1.90% | +543 bps | |
| Loan Growth (YoY) | 40.22% | 22.54% | 14.90% | 3.60% | -2.70% | -19.56% | -26.64% | -36.80% | -4,040 bps | |
| Share Growth (YoY) | -28.73% | -21.31% | -11.83% | -11.02% | -4.87% | -5.23% | 0.09% | -5.21% | +581 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.48% | 1.18% | 1.59% | 0.85% | 2.93% | 3.56% | 0.66% | 1.88% | +103 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 | 1.89% | 2.20% | 2.34% | 1.49% | 1.67% | 1.24% | 1.82% | 2.48% | +100 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 | 45.16% | 47.38% | 51.08% | 51.66% | 46.19% | 40.21% | 37.44% | 34.44% | -1,722 bps | |
| Liquid Assets / Assets | 44.15% | 45.88% | 23.80% | 57.13% | 30.24% | 65.09% | 68.72% | 8.84% | -4,828 bps | |