PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Ap & Sa

Cherry Hill, NJ · Charter 68351

Q4 2001

$576KAssets
$137KLoans
$533KShares
$9KNet Worth

Executive Summary

  • Earnings: ROA of 0.02%, down 70 bps year over year; NIM at 1.75%.
  • Asset quality: problem loans at 29.20% of loans (+2,920 bps YoY).
  • Capital: net worth / assets of 1.63%.
  • Funding: loans stand at 25.79% of shares as of Q4 2001.

Return on Assets (quarter, annualized)

0.02%-70 bps YoY

Net Interest Margin (quarter, annualized)

1.75%+102 bps YoY

Efficiency Ratio (quarter, annualized)

88.61%+3,139 bps YoY

Net Worth / Assets

1.63%

Discrete quarter, annualized.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets0.00%-3.24%3.04%0.72%1.04%0.82%0.05%0.02%-70 bps
Return on Equityn/an/an/an/an/a11.54%1.09%1.08%n/a
Net Interest Marginn/an/an/a0.73%2.27%2.48%2.20%1.75%+102 bps
Efficiency Ration/an/an/a57.22%63.80%69.87%80.57%88.61%+3,139 bps
Growth
Asset Growth (YoY)n/an/an/an/a1720%305%187.78%16.20%n/a
Loan Growth (YoY)n/an/an/an/an/an/a1661%141.28%n/a
Share Growth (YoY)n/an/an/an/an/a778%291%25.11%n/a
Asset Quality
Delinquent Loans / Loansn/an/a0.00%0.00%0.00%12.28%3.98%29.20%+2,920 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/a84.02%14.64%11.23%9.73%6.61%6.05%-859 bps
Capital
Risk-Based Capitaln/an/an/an/an/a7.12%4.66%1.63%n/a
Net Worth / Assetsn/an/an/an/an/a7.12%4.66%1.63%n/a
Liquidity & Funding
Loans / Sharesn/a0.00%4.16%13.37%18.26%17.63%18.75%25.79%+1,242 bps
Liquid Assets / Assets23.33%86.12%86.30%82.82%81.15%82.36%81.04%74.56%-827 bps