Trenton, NJ · Charter 18546
Q1 2015
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 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.02% | -7.52% | -6.46% | -1.10% | 2.27% | -3.06% | -5.16% | 0.53% | +163 bps | |
| Return on Equity | -0.07% | -30.01% | -26.95% | -4.41% | 8.60% | -13.06% | -23.82% | 2.35% | +676 bps | |
| Net Interest Margin | 3.25% | 3.03% | 2.73% | 1.65% | 2.15% | 1.89% | 1.58% | 0.56% | -109 bps | |
| Efficiency Ratio | 100.60% | 151.46% | 336% | 166.81% | -19.22% | 44.41% | 231% | 3.95% | -16,286 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.48% | -1.55% | -3.90% | -8.51% | -7.29% | -5.98% | -4.02% | -3.14% | +537 bps | |
| Loan Growth (YoY) | -0.13% | -23.12% | -36.08% | -52.98% | -34.47% | -57.33% | -73.80% | -81.95% | -2,896 bps | |
| Share Growth (YoY) | 4.47% | 5.86% | 2.69% | -3.31% | -2.90% | -3.92% | -1.16% | -0.33% | +299 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 24.26% | 10.71% | 19.12% | 62.72% | 31.49% | 29.76% | 32.82% | 32.84% | -2,988 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 | 12.43% | 11.31% | 11.40% | 13.61% | 16.17% | 49.36% | 77.98% | 135.10% | +12,149 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 29.68% | 25.06% | 23.96% | 24.96% | 26.36% | 23.42% | 21.68% | 22.75% | -220 bps | |
| Net Worth / Assets | 29.68% | 25.06% | 23.96% | 24.96% | 26.36% | 23.42% | 21.68% | 22.75% | -220 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 27.92% | 24.42% | 24.58% | 21.97% | 18.84% | 10.84% | 6.52% | 3.98% | -1,799 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |