Maplewood, NJ · Charter 16346
Q1 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2014, the quarter ended March 31, 2014, 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.
Maplewood, NJ · Charter 16346
Q1 2014
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 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.71% | -2.67% | -2.54% | -2.53% | -2.65% | -2.75% | -2.75% | -3.67% | -114 bps | |
| Return on Equity | -32.42% | -32.54% | -31.28% | -29.74% | -29.63% | -29.89% | -31.37% | -44.50% | -1,476 bps | |
| Net Interest Margin | 2.13% | 2.13% | 2.15% | 2.52% | 2.67% | 2.90% | 2.91% | 2.54% | +2 bps | |
| Efficiency Ratio | 211% | 199.20% | 202% | 178.03% | 182.15% | 172.79% | 180.51% | 220% | +4,191 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.35% | -5.68% | -5.56% | -16.73% | -27.93% | -31.06% | -29.52% | -24.07% | -733 bps | |
| Loan Growth (YoY) | -17.74% | -16.32% | -14.34% | -8.45% | -12.34% | -10.39% | -5.17% | -7.21% | +124 bps | |
| Share Growth (YoY) | 1.91% | -3.09% | -3.51% | -15.90% | -28.68% | -31.71% | -34.93% | -23.77% | -787 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.16% | 7.31% | 7.72% | 6.90% | 7.11% | 7.11% | 7.14% | 7.53% | +63 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 | 2.91% | 3.38% | 2.09% | 2.09% | 1.97% | 1.83% | 2.11% | 2.26% | +17 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.36% | 8.20% | 8.12% | 8.51% | 8.94% | 9.21% | 8.77% | 8.25% | -26 bps | |
| Net Worth / Assets | 8.36% | 8.20% | 8.12% | 8.51% | 8.94% | 9.21% | 8.77% | 8.25% | -26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 20.92% | 21.13% | 20.67% | 22.88% | 25.72% | 27.73% | 30.12% | 27.84% | +497 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |