No. Brunswick, NJ · Charter 13900
Q2 2009
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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.09% | -0.91% | -0.88% | -0.94% | -1.37% | -7.55% | -22.89% | -17.01% | -1,608 bps | |
| Return on Equity | 0.97% | -9.92% | -9.65% | -10.54% | -15.20% | -249% | n/a | n/a | n/a | |
| Net Interest Margin | 4.56% | 4.69% | 4.16% | 4.24% | 4.52% | 4.57% | 4.99% | 4.94% | +70 bps | |
| Efficiency Ratio | 72.70% | 72.62% | 87.55% | 83.48% | 83.47% | 190.64% | 115.24% | 127.90% | +4,442 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -18.76% | -12.30% | -14.74% | -15.73% | -13.48% | -12.89% | -10.67% | -15.37% | +37 bps | |
| Loan Growth (YoY) | -8.26% | -10.10% | -15.01% | -15.21% | -12.05% | -9.28% | -4.11% | -7.75% | +746 bps | |
| Share Growth (YoY) | -20.03% | -12.60% | -14.88% | -15.94% | -13.30% | -7.62% | -0.35% | -4.02% | +1,192 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.95% | 5.68% | 7.80% | 10.09% | 10.32% | 11.85% | 12.48% | 11.60% | +151 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 | 1.82% | 2.76% | 2.80% | 3.98% | 4.39% | 6.18% | 14.48% | 12.47% | +849 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.20% | 9.22% | 9.16% | 8.89% | 8.98% | 3.03% | -2.74% | -5.34% | -1,423 bps | |
| Net Worth / Assets | 9.20% | 9.22% | 9.16% | 8.89% | 8.98% | 3.03% | -2.74% | -5.34% | -1,423 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.80% | 60.55% | 57.56% | 56.24% | 60.66% | 59.46% | 55.39% | 54.05% | -218 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |