West New York, NJ · Charter 66220
Q4 2001
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.10% | 2.90% | 3.08% | 0.54% | 0.75% | 0.51% | 0.08% | 0.28% | -26 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 3.71% | 0.54% | 1.79% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 7.19% | 7.17% | 7.49% | 6.86% | 6.81% | -38 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 92.72% | 75.69% | 73.48% | 78.25% | 81.22% | -1,150 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.62% | 2.30% | 4.81% | 6.20% | 6.92% | 5.00% | -3.06% | -5.70% | -1,190 bps | |
| Loan Growth (YoY) | -17.42% | 16.93% | -11.17% | -8.05% | 0.58% | -19.11% | -12.42% | -16.27% | -822 bps | |
| Share Growth (YoY) | 0.47% | 1.54% | 5.63% | 8.39% | 8.02% | 5.99% | -4.09% | -7.22% | -1,561 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 2.27% | 0.41% | 0.89% | 5.39% | 0.99% | 1.72% | 0.42% | -47 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 | 3.50% | 2.99% | 1.99% | 1.49% | 2.68% | 2.08% | 3.20% | 0.51% | -98 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 13.81% | 14.47% | 15.49% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 13.81% | 14.47% | 15.49% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.69% | 59.38% | 53.71% | 54.13% | 50.92% | 45.31% | 49.05% | 48.85% | -528 bps | |
| Liquid Assets / Assets | 40.07% | 36.58% | 43.16% | 31.47% | 43.89% | 60.80% | 58.03% | 57.85% | +2,638 bps | |