Newark, NJ · Charter 20789
Q2 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2005, the quarter ended June 30, 2005, 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.
Newark, NJ · Charter 20789
Q2 2005
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 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.06% | 0.12% | -0.90% | -0.59% | -0.24% | 0.84% | 1.03% | 0.52% | +111 bps | |
| Return on Equity | 0.50% | 1.00% | -7.79% | -4.96% | -1.94% | 6.26% | 7.06% | 3.53% | +848 bps | |
| Net Interest Margin | 8.26% | 8.61% | 8.50% | 8.90% | 8.97% | 8.68% | 8.52% | 4.29% | -461 bps | |
| Efficiency Ratio | 99.35% | 98.71% | 109.82% | 106.16% | 102.47% | 91.26% | 88.20% | 88.20% | -1,796 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.10% | 3.57% | 1.80% | -4.46% | -6.27% | -4.00% | -12.24% | -10.36% | -590 bps | |
| Loan Growth (YoY) | 22.02% | 8.23% | 5.85% | -12.62% | -15.10% | -24.41% | -28.03% | -22.28% | -966 bps | |
| Share Growth (YoY) | 10.31% | 4.42% | 2.77% | -4.73% | -7.20% | -6.04% | -15.82% | -13.23% | -849 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.07% | 0.00% | 0.60% | 0.00% | 0.00% | 0.00% | 14.31% | 12.76% | +1,276 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 | 3.05% | 3.08% | 3.30% | 3.56% | 3.60% | 4.08% | 4.58% | 4.58% | +102 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.58% | 12.03% | 11.62% | 11.88% | 12.25% | 13.36% | 14.66% | 14.74% | +287 bps | |
| Net Worth / Assets | 11.58% | 12.03% | 11.62% | 11.88% | 12.25% | 13.36% | 14.66% | 14.74% | +287 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.20% | 83.12% | 76.25% | 72.78% | 74.28% | 66.87% | 65.19% | 65.19% | -759 bps | |
| Liquid Assets / Assets | 24.62% | 23.51% | 29.43% | 33.55% | 33.80% | 40.23% | 42.72% | 42.39% | +884 bps | |