New Brunswick, NJ · Charter 5534
Q4 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.86% | 3.11% | 3.30% | 0.46% | 0.45% | 0.54% | 1.16% | 0.92% | +46 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 4.13% | 8.97% | 6.58% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 4.95% | 4.40% | 4.37% | 4.64% | 4.62% | -33 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 86.22% | 87.62% | 85.57% | 73.47% | 78.27% | -795 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.00% | -2.63% | 9.77% | 10.65% | 3.29% | 5.78% | 7.93% | 3.79% | -687 bps | |
| Loan Growth (YoY) | 15.68% | 21.38% | 23.72% | -3.03% | -8.39% | -7.26% | -13.84% | -20.56% | -1,753 bps | |
| Share Growth (YoY) | -4.26% | -4.16% | 10.08% | 11.17% | 2.33% | 5.33% | 7.47% | 2.84% | -833 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.62% | 1.40% | 1.26% | 2.51% | 1.27% | 2.67% | 1.85% | 1.02% | -149 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 | 0.69% | 0.73% | 0.82% | 1.05% | 0.97% | 0.94% | 1.27% | 1.16% | +12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 13.17% | 12.90% | 13.95% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 13.17% | 12.90% | 13.95% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.28% | 76.97% | 71.28% | 65.57% | 68.29% | 67.77% | 57.15% | 50.65% | -1,492 bps | |
| Liquid Assets / Assets | 21.19% | 28.62% | 30.68% | 36.27% | 36.11% | 40.12% | 49.10% | 55.10% | +1,883 bps | |