Morganville, NJ · Charter 21221
Q2 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2014, the quarter ended June 30, 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.
Morganville, NJ · Charter 21221
Q2 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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.12% | 0.30% | 0.38% | -0.12% | -0.06% | -1.15% | 0.31% | -12.41% | -1,230 bps | |
| Return on Equity | 0.53% | 1.28% | 1.80% | -0.52% | -0.24% | -5.53% | 1.59% | -76.49% | -7,596 bps | |
| Net Interest Margin | 4.85% | 5.23% | 4.48% | 4.52% | 4.70% | 4.23% | 4.53% | 4.84% | +32 bps | |
| Efficiency Ratio | 87.37% | 82.15% | 85.90% | 86.88% | 85.54% | 90.83% | 77.66% | 96.71% | +983 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.53% | 7.30% | 8.15% | 7.52% | -6.12% | 5.55% | 2.97% | -7.20% | -1,472 bps | |
| Loan Growth (YoY) | 4.34% | -0.72% | -4.98% | -5.77% | -10.99% | -14.52% | -23.86% | -39.85% | -3,408 bps | |
| Share Growth (YoY) | 5.81% | 9.45% | 10.33% | 9.67% | -8.20% | 8.32% | 5.14% | -0.18% | -985 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.77% | 4.53% | 3.94% | 4.07% | 6.85% | 7.63% | 9.55% | 2.16% | -191 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 | 3.14% | 3.11% | 3.28% | 2.37% | 2.57% | 5.40% | 5.40% | 12.08% | +971 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.01% | 23.26% | 21.37% | 22.07% | 23.53% | 20.88% | 19.66% | 16.23% | -584 bps | |
| Net Worth / Assets | 22.01% | 23.26% | 21.37% | 22.07% | 23.53% | 20.88% | 19.66% | 16.23% | -584 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.10% | 70.86% | 60.38% | 62.14% | 65.06% | 55.92% | 43.73% | 37.44% | -2,470 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |