PackageTrendsPeer
Letter portraitLegal landscape

Journal of Commerce NY Emp

Phillipsburg, NJ · Charter 5993

Q4 1999

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 1999, the quarter ended December 31, 1999, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Journal of Commerce NY Emp

Phillipsburg, NJ · Charter 5993

Q4 1999

$279KAssets
$61KLoans
$183KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of -2.05%, down 496 bps year over year; NIM at 3.30%.
  • Asset quality: problem loans at 0.00% of loans (-863 bps YoY).
  • Funding: loans stand at 33.25% of shares as of Q4 1999.

Return on Assets (YTD, annualized)

-2.05%-496 bps YoY

Net Interest Margin (YTD, annualized)

3.30%
n/a

Efficiency Ratio (YTD, annualized)

139.12%
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets3.10%3.46%2.82%2.90%2.59%3.20%1.32%-2.05%-496 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a3.30%n/an/a
Efficiency Ration/an/an/an/an/an/an/a139.12%n/an/a
Growth
Asset Growth (YoY)0.49%-1.73%-18.12%-26.35%-35.42%-37.26%-25.81%-19.68%+667 bps
Loan Growth (YoY)-20.46%-38.68%-33.49%-5.00%-37.17%-31.33%-30.70%-51.21%-4,621 bps
Share Growth (YoY)-1.69%-4.34%-23.95%-34.10%-44.88%-50.41%-37.38%-26.21%+790 bps
Asset Quality
Delinquent Loans / Loans5.68%2.59%5.52%8.63%6.57%1.42%7.09%0.00%-863 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans6.73%3.02%7.39%7.07%10.08%8.37%7.54%0.00%-707 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares31.43%32.11%33.89%50.29%35.83%44.46%37.51%33.25%-1,704 bps
Liquid Assets / Assets44.08%49.61%58.93%3.79%46.32%47.48%64.22%68.23%+6,444 bps