Scotch Plains, NJ · Charter 13166
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 2005, 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.
Scotch Plains, NJ · Charter 13166
Q4 2005
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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.80% | -0.96% | -0.64% | -0.23% | -1.18% | 0.04% | -18.05% | -14.09% | -1,386 bps | |
| Return on Equity | -9.30% | -11.60% | -7.43% | -2.54% | -13.80% | 0.53% | n/a | n/a | n/a | |
| Net Interest Margin | 1.69% | 1.90% | 2.50% | 2.88% | 1.42% | 0.45% | 2.09% | 2.42% | -46 bps | |
| Efficiency Ratio | 137.93% | 143.64% | 123.21% | 107.03% | 177.63% | 90.91% | 133.86% | 126.37% | +1,934 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.58% | -2.39% | -4.09% | -3.30% | -3.42% | -2.60% | -8.28% | -10.69% | -740 bps | |
| Loan Growth (YoY) | -37.12% | -36.48% | -17.57% | -7.50% | -16.89% | -26.45% | -44.20% | -46.17% | -3,867 bps | |
| Share Growth (YoY) | -4.23% | -2.97% | -4.45% | -3.17% | -3.41% | -2.76% | 4.25% | 1.89% | +506 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 36.50% | 47.99% | 45.58% | 40.67% | 37.45% | 55.12% | 12.07% | 10.79% | -2,988 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 | 3.62% | 4.71% | 4.43% | 5.02% | 5.35% | 6.41% | 33.86% | 39.75% | +3,473 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.57% | 8.24% | 8.66% | 8.98% | 8.56% | 8.39% | -3.82% | -4.03% | -1,301 bps | |
| Net Worth / Assets | 8.57% | 8.24% | 8.66% | 8.98% | 8.56% | 8.39% | -3.82% | -4.03% | -1,301 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 29.77% | 27.84% | 31.24% | 27.81% | 25.62% | 21.06% | 16.72% | 14.69% | -1,312 bps | |
| Liquid Assets / Assets | 68.49% | 70.63% | 66.43% | 70.46% | 72.10% | 74.38% | 82.34% | 86.46% | +1,600 bps | |