Pennsauken, NJ · Charter 3707
Q4 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.15% | -0.23% | -0.07% | -0.66% | -0.31% | -2.50% | -2.31% | -1.79% | -113 bps | |
| Return on Equity | n/a | n/a | -0.99% | -10.81% | -4.49% | -46.19% | -44.78% | -31.70% | -2,089 bps | |
| Net Interest Margin | 6.15% | 5.78% | 6.06% | 5.53% | 5.73% | 3.87% | 3.66% | 4.14% | -139 bps | |
| Efficiency Ratio | 95.07% | 96.57% | 91.15% | 87.58% | 88.41% | 114.88% | 125.82% | 116.50% | +2,892 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.49% | -0.06% | 3.96% | -0.88% | -3.73% | -7.45% | -7.78% | -15.99% | -1,511 bps | |
| Loan Growth (YoY) | 16.60% | 28.92% | 29.81% | 20.15% | -24.55% | -43.32% | -52.71% | -54.48% | -7,464 bps | |
| Share Growth (YoY) | -1.57% | 0.21% | 4.96% | -0.50% | -3.84% | -5.96% | -6.60% | -15.21% | -1,472 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.61% | 4.41% | 4.82% | 4.21% | 3.88% | 2.11% | 2.71% | 4.33% | +12 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 | 5.00% | 5.01% | 4.38% | 5.32% | 4.19% | 6.16% | 4.81% | 4.12% | -120 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 6.57% | 6.12% | 6.85% | 5.42% | 5.16% | 5.64% | -48 bps | |
| Net Worth / Assets | n/a | n/a | 6.57% | 6.12% | 6.85% | 5.42% | 5.16% | 5.64% | -48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.13% | 50.26% | 51.94% | 45.69% | 41.69% | 30.30% | 26.30% | 24.53% | -2,116 bps | |
| Liquid Assets / Assets | 2.33% | 46.04% | 51.42% | 53.50% | 60.81% | 70.99% | 74.15% | 47.41% | -609 bps | |