Newark, NJ · Charter 8213
Q2 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.97% | 3.93% | 3.62% | 3.45% | 3.97% | 4.75% | 4.50% | 3.60% | +15 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 | -16.67% | -14.90% | -9.59% | -9.49% | -11.62% | -5.68% | -5.23% | +436 bps | |
| Loan Growth (YoY) | n/a | -22.74% | -22.23% | -21.59% | -21.35% | -19.56% | -13.52% | -0.89% | +2,071 bps | |
| Share Growth (YoY) | n/a | -20.48% | -18.64% | -9.28% | -11.15% | -13.96% | -9.44% | -0.93% | +835 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.39% | 6.34% | 6.69% | 6.56% | 5.16% | 5.92% | 3.02% | 1.18% | -538 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 | 3.01% | 3.59% | 4.38% | 5.35% | 4.84% | 5.61% | 4.22% | 2.32% | -303 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 | 56.55% | 51.00% | 54.99% | 51.45% | 50.06% | 47.68% | 52.51% | 51.48% | +2 bps | |
| Liquid Assets / Assets | 13.95% | 24.31% | 22.74% | 28.69% | 28.69% | 34.88% | 27.07% | 34.48% | +579 bps | |