Spotswood, NJ · Charter 17131
Q2 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2012, the quarter ended June 30, 2012, 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.
Spotswood, NJ · Charter 17131
Q2 2012
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 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.25% | -2.46% | -8.48% | -5.65% | -4.80% | -4.80% | -2.47% | -2.98% | +267 bps | |
| Return on Equity | -0.68% | -6.74% | -23.36% | -15.39% | -13.74% | -13.15% | -6.82% | -8.42% | +697 bps | |
| Net Interest Margin | 3.50% | 3.31% | 2.48% | 2.44% | 2.27% | 2.29% | 1.70% | 1.64% | -80 bps | |
| Efficiency Ratio | 106.93% | 106.36% | 179.31% | 180.55% | 196.68% | 192.94% | 245% | 260% | +7,928 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.63% | -6.97% | -9.68% | -8.85% | -6.90% | -11.89% | -7.89% | -5.21% | +364 bps | |
| Loan Growth (YoY) | -2.80% | -21.11% | -41.64% | -45.54% | -51.70% | -50.12% | -37.95% | -36.44% | +910 bps | |
| Share Growth (YoY) | 1.44% | -6.91% | -8.46% | -6.32% | -4.58% | -11.75% | -7.76% | -3.34% | +298 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.28% | 3.65% | 10.29% | 4.16% | 4.52% | 4.12% | 0.19% | 0.00% | -416 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 | 6.54% | 8.01% | 7.04% | 5.66% | 7.32% | 7.58% | 5.90% | 7.51% | +186 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 36.56% | 36.56% | 36.31% | 36.69% | 34.92% | 36.48% | 36.25% | 35.35% | -134 bps | |
| Net Worth / Assets | 36.56% | 36.56% | 36.31% | 36.69% | 34.92% | 36.48% | 36.25% | 35.35% | -134 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.02% | 48.88% | 37.56% | 36.06% | 29.88% | 27.63% | 25.27% | 23.72% | -1,235 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |