Trenton, NJ · Charter 65547
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 2002, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Trenton, NJ · Charter 65547
Q3 2002
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 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.53% | 0.44% | 0.74% | 0.83% | 0.76% | 0.65% | 0.29% | -1.18% | -200 bps | |
| Return on Equity | n/a | n/a | n/a | 10.50% | 9.89% | 8.36% | 3.91% | -19.18% | -2,969 bps | |
| Net Interest Margin | n/a | 4.53% | 4.47% | 4.62% | 4.18% | 4.13% | 3.70% | 3.66% | -95 bps | |
| Efficiency Ratio | n/a | 82.05% | 83.08% | 82.03% | 82.57% | 84.07% | 90.60% | 102.25% | +2,022 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.52% | 13.38% | 9.90% | 5.55% | 6.40% | 11.29% | 14.38% | 22.77% | +1,723 bps | |
| Loan Growth (YoY) | -6.07% | -12.89% | -10.22% | -3.02% | 1.25% | 2.63% | 2.84% | -0.51% | +251 bps | |
| Share Growth (YoY) | 11.07% | 14.35% | 9.88% | 5.02% | 5.43% | 10.22% | 14.21% | 24.92% | +1,990 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.53% | 1.55% | 2.66% | 2.41% | 2.85% | 3.20% | 5.37% | 4.87% | +246 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 | 2.05% | 1.67% | 1.57% | 1.48% | 1.52% | 1.39% | 1.30% | 2.29% | +81 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | 7.89% | 7.68% | 7.78% | 7.44% | 6.13% | -176 bps | |
| Net Worth / Assets | n/a | n/a | n/a | 7.89% | 7.68% | 7.78% | 7.44% | 6.13% | -176 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.88% | 56.32% | 55.11% | 59.67% | 54.62% | 52.45% | 49.62% | 47.52% | -1,215 bps | |
| Liquid Assets / Assets | 20.21% | 11.66% | 11.01% | 21.24% | 25.76% | 30.05% | 31.69% | 33.20% | +1,196 bps | |