PackageTrendsPeer
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Broad National Bank

Newark, NJ · Cert 6388

FDIC

Q2 1999

$653.7MAssets
$354.5MLoans
$573.6MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.34%, down 2 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 61.80% of deposits as of Q2 1999.

Return on Assets (YTD, annualized)

1.34%-2 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ3 1997Q4 1997Q1 1998Q2 1998Q3 1998Q4 1998Q1 1999Q2 1999YoY ΔTrend
Earnings
Return on Assets1.25%1.25%1.40%1.37%1.43%1.47%1.31%1.34%-2 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)10.82%12.62%13.39%10.85%6.58%13.86%12.10%1.76%-908 bps
Loan Growth (YoY)11.54%13.27%12.05%12.30%12.50%11.52%12.94%5.74%-656 bps
Deposit Growth (YoY)6.57%7.74%9.13%6.33%6.01%10.33%10.02%2.12%-422 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits59.10%60.30%60.14%59.69%62.72%60.95%61.73%61.80%+211 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a