West Trenton, NJ · Charter 5871
Q4 2001
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.95% | 2.26% | 2.45% | 0.01% | 0.17% | 0.59% | 0.89% | -0.59% | -59 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 5.33% | 8.72% | -6.39% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 4.22% | 4.14% | 4.76% | 4.48% | 3.66% | -56 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 99.85% | 96.59% | 84.84% | 80.25% | 109.19% | +934 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.05% | 9.70% | 11.48% | 11.73% | 16.93% | -2.11% | 7.52% | 8.58% | -315 bps | |
| Loan Growth (YoY) | -4.26% | -12.00% | -8.21% | 0.34% | 10.28% | 21.48% | 17.72% | 14.56% | +1,422 bps | |
| Share Growth (YoY) | -6.39% | 8.92% | 11.29% | 11.94% | 18.15% | -2.86% | 7.37% | 6.48% | -547 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.08% | 1.43% | 1.57% | 1.28% | 0.94% | 2.18% | 1.26% | 0.81% | -47 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 | 3.35% | 1.65% | 1.60% | 1.18% | 0.64% | 1.06% | 0.81% | 0.59% | -58 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 11.04% | 10.19% | 9.17% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 11.04% | 10.19% | 9.17% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.27% | 61.65% | 60.87% | 67.28% | 67.46% | 77.10% | 66.74% | 72.39% | +511 bps | |
| Liquid Assets / Assets | 19.39% | 24.19% | 29.58% | 24.48% | 20.20% | 22.92% | 30.86% | 27.46% | +297 bps | |