Newark, NJ · Charter 68399
Q4 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2001, the quarter ended December 31, 2001, 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.
Newark, NJ · Charter 68399
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 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.00% | 0.23% | 6.59% | 3.38% | -1.34% | -2.16% | -239 bps | |
| Return on Equity | n/a | n/a | n/a | 89.47% | -57.87% | -265% | n/a | |
| Net Interest Margin | n/a | 0.49% | 2.29% | 3.00% | 1.90% | 1.14% | +66 bps | |
| Efficiency Ratio | n/a | 91.95% | 39.61% | 56.91% | 165.33% | 252% | +15,983 bps | |
| Growth | ||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | 5883% | 40.34% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | n/a | 37.95% | n/a | n/a |
| Asset Quality | ||||||||
| Delinquent Loans / Loans | n/a | n/a | n/a | n/a | 0.00% | 0.00% | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | 0.99% | 0.67% | n/a | |
| Capital | ||||||||
| Risk-Based Capital | n/a | n/a | n/a | 3.77% | 2.32% | 0.82% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 3.77% | 2.32% | 0.82% | n/a | |
| Liquidity & Funding | ||||||||
| Loans / Shares | n/a | 0.00% | 0.00% | 0.00% | 1.51% | 2.19% | +219 bps | |
| Liquid Assets / Assets | 0.00% | 97.32% | 0.00% | 97.14% | 95.40% | 94.91% | -241 bps | |