Moorestown, NJ · Charter 16915
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 31, 2003, 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.
Moorestown, NJ · Charter 16915
Q1 2003
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 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.91% | 1.08% | 0.75% | 0.85% | 0.33% | 0.28% | 0.03% | -1.91% | -276 bps | |
| Return on Equity | n/a | 5.44% | 3.98% | 3.99% | 1.49% | 1.27% | 0.15% | -7.59% | -1,158 bps | |
| Net Interest Margin | 5.58% | 5.76% | 5.04% | 5.31% | 4.50% | 4.50% | 4.49% | 4.58% | -73 bps | |
| Efficiency Ratio | 78.97% | 77.84% | 82.21% | 82.76% | 86.21% | 85.40% | 89.82% | 104.77% | +2,201 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.77% | 6.63% | 3.50% | 3.09% | -8.38% | -4.81% | -15.65% | -17.12% | -2,021 bps | |
| Loan Growth (YoY) | 17.03% | 76.42% | 61.30% | 35.87% | -5.66% | -25.68% | -39.39% | -41.51% | -7,738 bps | |
| Share Growth (YoY) | 12.61% | 4.31% | 0.89% | -0.15% | -12.25% | -7.25% | -19.58% | -20.25% | -2,009 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 10.52% | 10.18% | 9.05% | 9.70% | 11.69% | 14.98% | 15.09% | 17.29% | +759 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 | 2.95% | 2.26% | 2.24% | 1.73% | 1.43% | 2.01% | 1.01% | 2.23% | +50 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | 19.84% | 18.73% | 21.24% | 21.94% | 21.91% | 22.70% | 25.19% | +395 bps | |
| Net Worth / Assets | n/a | 19.84% | 18.73% | 21.24% | 21.94% | 21.91% | 22.70% | 25.19% | +395 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.75% | 66.10% | 66.41% | 70.67% | 61.01% | 52.97% | 50.05% | 51.83% | -1,885 bps | |
| Liquid Assets / Assets | 27.55% | 44.20% | 45.89% | 45.08% | 51.02% | 19.61% | 35.79% | 32.79% | -1,230 bps | |