Middlesex, NJ · Charter 7957
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 | 2.08% | 2.44% | 2.89% | 2.92% | 2.38% | 2.72% | 2.41% | -48 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 | -14.23% | -15.57% | -14.45% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -8.24% | -31.28% | -42.24% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -17.16% | -18.57% | -20.43% | n/a | |
| Asset Quality | |||||||||
| Delinquent Loans / Loans | 4.77% | 2.80% | 3.00% | 1.53% | 0.77% | 3.51% | 10.05% | +705 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 | 4.03% | 4.81% | 4.51% | 4.69% | 5.56% | 5.96% | 6.82% | +231 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 | 28.48% | 38.59% | 43.19% | 36.79% | 31.54% | 32.56% | 31.35% | -1,184 bps | |
| Liquid Assets / Assets | 30.70% | 11.52% | 11.97% | 27.18% | 41.13% | 48.94% | 73.05% | +6,108 bps | |