Kearny, NJ · Charter 66348
Q2 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1997, the quarter ended June 30, 1997, 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.
Kearny, NJ · Charter 66348
Q2 1997
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 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|
| Earnings | |||||||||
| Return on Assets | 3.56% | 4.09% | 3.81% | 4.42% | 4.39% | 4.60% | 4.13% | +32 bps | |
| Return on Equity | 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 |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | 0.43% | -1.11% | -14.17% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 6.01% | -3.47% | 7.10% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -1.69% | -3.06% | -16.13% | n/a | |
| Asset Quality | |||||||||
| Delinquent Loans / Loans | 2.58% | 2.35% | 1.21% | 0.14% | 0.57% | 2.82% | 0.00% | -121 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.60% | 1.40% | 0.00% | 1.03% | 1.57% | 2.21% | 2.25% | +225 bps | |
| Capital | |||||||||
| Risk-Based Capital | 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 |
| Liquidity & Funding | |||||||||
| Loans / Shares | 48.73% | 58.00% | 46.44% | 50.56% | 52.55% | 57.76% | 59.30% | +1,286 bps | |
| Liquid Assets / Assets | 7.92% | 50.80% | 0.00% | 0.00% | 55.21% | 50.93% | 50.28% | +5,028 bps | |