Camden, NJ · Charter 68043
Q4 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 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.15% | -6.37% | -2.23% | 1.89% | -3.11% | -3.79% | 2.36% | 2.46% | +57 bps | |
| Return on Equity | n/a | 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 | n/a |
| Efficiency Ratio | n/a | 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 | 117.10% | 41.14% | 24.96% | 18.22% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 416% | 131.47% | 5.80% | -35.91% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | 123.78% | 71.71% | 26.22% | 22.27% | n/a | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 2.13% | 4.08% | 8.79% | 3.24% | 5.23% | 15.44% | 36.78% | +2,798 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 | 3.26% | 3.04% | 3.15% | 3.58% | 4.28% | 8.08% | 11.36% | 15.25% | +1,167 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | 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 | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 16.31% | 31.63% | 40.75% | 45.18% | 37.61% | 42.63% | 34.15% | 23.68% | -2,150 bps | |
| Liquid Assets / Assets | 49.72% | 53.61% | 22.88% | 20.11% | 25.51% | 27.93% | 32.44% | 62.71% | +4,260 bps | |