Dover, NJ · Charter 62688
Q2 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.82% | 3.17% | 3.29% | 3.72% | 4.33% | 1.48% | 1.46% | 2.91% | -81 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 | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | 23.44% | 20.96% | 11.13% | -6.08% | -12.34% | -19.99% | -24.82% | -3,595 bps | |
| Loan Growth (YoY) | n/a | -31.12% | -13.85% | 12.99% | 33.53% | 10.42% | 5.47% | -13.74% | -2,672 bps | |
| Share Growth (YoY) | n/a | 22.75% | 21.30% | 10.96% | -9.61% | -13.89% | -21.66% | -28.38% | -3,935 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.00% | 3.26% | 2.21% | 1.81% | 0.40% | 13.21% | 8.15% | 8.15% | +634 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 | 3.61% | 4.74% | 4.42% | 3.86% | 4.44% | 8.16% | 5.56% | 5.56% | +171 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 | 44.19% | 31.02% | 42.57% | 47.58% | 65.28% | 39.78% | 57.31% | 57.31% | +973 bps | |
| Liquid Assets / Assets | 51.33% | 66.71% | 53.21% | 51.28% | 35.37% | 56.28% | 0.00% | 0.00% | -5,128 bps | |