Ocean City, NJ · Charter 6475
Q3 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.64% | 0.03% | 1.12% | 0.59% | 1.24% | 0.88% | 0.74% | 0.67% | +7 bps | |
| Return on Equity | n/a | n/a | n/a | 6.02% | 12.11% | 8.05% | 7.25% | 6.52% | +50 bps | |
| Net Interest Margin | n/a | 6.69% | 6.43% | 6.41% | 6.66% | 6.67% | 6.28% | 6.01% | -41 bps | |
| Efficiency Ratio | n/a | 85.47% | 80.23% | 81.58% | 78.39% | 83.49% | 80.49% | 88.92% | +735 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.79% | -14.52% | -6.62% | 8.22% | 7.01% | 10.79% | 13.48% | 10.60% | +239 bps | |
| Loan Growth (YoY) | -22.48% | -19.85% | -12.26% | 15.41% | 4.94% | 1.65% | -3.26% | -21.72% | -3,714 bps | |
| Share Growth (YoY) | -5.94% | -12.76% | -3.45% | 9.11% | 7.33% | 10.65% | 14.10% | 10.51% | +140 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.28% | 6.61% | 8.81% | 7.63% | 8.15% | 8.53% | 8.52% | 9.76% | +213 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 | 5.00% | 5.18% | 5.68% | 5.16% | 5.58% | 6.29% | 5.50% | 4.39% | -77 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | 9.88% | 10.25% | 10.92% | 10.24% | 10.21% | +33 bps | |
| Net Worth / Assets | n/a | n/a | n/a | 9.88% | 10.25% | 10.92% | 10.24% | 10.21% | +33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.08% | 94.87% | 88.34% | 93.55% | 87.10% | 87.15% | 74.89% | 66.26% | -2,729 bps | |
| Liquid Assets / Assets | 4.88% | 4.11% | 0.30% | 14.29% | 23.87% | 24.56% | 34.23% | 37.40% | +2,311 bps | |