Hillside, NJ · Charter 13862
Q2 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.94% | 1.08% | 0.61% | 0.63% | 0.95% | 0.71% | -3.45% | -15.95% | -1,658 bps | |
| Return on Equity | 3.90% | 4.03% | 2.32% | 2.25% | 3.32% | 2.48% | -12.41% | -75.13% | -7,738 bps | |
| Net Interest Margin | 4.07% | 4.63% | 4.08% | 4.66% | 4.58% | 4.70% | 4.72% | 1.34% | -332 bps | |
| Efficiency Ratio | 76.91% | 76.78% | 84.99% | 86.43% | 79.30% | 84.98% | 66.98% | 752% | +66,558 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.25% | -5.46% | -4.65% | -11.19% | -12.69% | -4.06% | -6.44% | -2.16% | +903 bps | |
| Loan Growth (YoY) | 8.15% | -3.32% | -5.29% | -1.88% | -7.39% | -8.46% | -9.27% | -1.64% | +25 bps | |
| Share Growth (YoY) | 4.50% | -8.41% | -7.20% | -15.67% | -18.06% | -6.55% | -8.44% | 2.66% | +1,833 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.28% | 0.39% | 7.88% | 1.73% | 6.66% | 15.53% | 0.14% | 0.07% | -166 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 | 3.04% | 3.14% | 3.18% | 2.38% | 2.44% | 2.54% | 0.74% | 4.03% | +165 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.11% | 26.70% | 26.38% | 28.10% | 28.59% | 28.48% | 27.82% | 21.23% | -688 bps | |
| Net Worth / Assets | 24.11% | 26.70% | 26.38% | 28.10% | 28.59% | 28.48% | 27.82% | 21.23% | -688 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.90% | 92.10% | 88.85% | 96.21% | 94.83% | 90.22% | 88.04% | 92.19% | -403 bps | |
| Liquid Assets / Assets | 37.56% | 33.67% | 35.86% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |