Piscataway, NJ · Charter 1007
Q1 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2004, the quarter ended March 31, 2004, 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.
Piscataway, NJ · Charter 1007
Q1 2004
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 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -30.51% | -22.49% | -17.61% | -4.73% | -4.81% | -4.69% | -4.73% | -3.33% | +141 bps | |
| Return on Equity | -191.46% | -146.12% | -128.36% | -36.30% | -38.82% | -39.54% | -40.20% | -30.69% | +561 bps | |
| Net Interest Margin | -0.15% | -0.17% | -0.25% | 0.19% | 0.06% | 0.33% | 0.70% | 1.93% | +174 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 2135% | 4509% | 1287% | 719% | 269% | -186,606 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -15.95% | -17.45% | -17.93% | -16.56% | -7.74% | -6.99% | -15.83% | -12.03% | +453 bps | |
| Loan Growth (YoY) | -16.64% | -27.18% | -20.50% | -27.01% | -17.77% | -17.61% | -40.76% | -41.38% | -1,437 bps | |
| Share Growth (YoY) | -3.23% | -9.56% | -15.85% | -11.92% | -3.75% | 3.55% | -0.39% | 2.61% | +1,453 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.64% | 6.06% | 5.31% | 9.10% | 8.99% | 6.69% | 21.15% | 19.20% | +1,009 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 | 14.77% | 15.36% | 12.08% | 15.11% | 16.94% | 16.36% | 19.37% | 17.39% | +228 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.93% | 15.39% | 13.72% | 13.04% | 12.40% | 11.86% | 11.77% | 10.84% | -220 bps | |
| Net Worth / Assets | 15.93% | 15.39% | 13.72% | 13.04% | 12.40% | 11.86% | 11.77% | 10.84% | -220 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 17.78% | 19.03% | 23.03% | 18.70% | 15.19% | 15.14% | 13.70% | 10.68% | -802 bps | |
| Liquid Assets / Assets | 84.33% | 84.41% | 81.31% | 85.19% | 87.09% | 85.93% | 80.88% | 83.44% | -175 bps | |