Branchville, NJ · Charter 21404
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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.
Branchville, NJ · Charter 21404
Q3 2010
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 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.75% | -0.84% | -0.91% | -1.59% | -1.68% | -1.81% | -4.05% | -3.54% | -195 bps | |
| Return on Equity | -7.52% | -7.89% | -9.18% | -17.22% | -19.72% | -21.30% | -59.21% | -56.29% | -3,907 bps | |
| Net Interest Margin | 5.01% | 5.38% | 4.20% | 3.93% | 3.95% | 4.24% | 3.73% | 4.13% | +19 bps | |
| Efficiency Ratio | 88.72% | 90.75% | 108.64% | 113.26% | 126.97% | 131.80% | 95.74% | 130.51% | +1,725 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.13% | -2.31% | -8.43% | -3.46% | -0.19% | 3.54% | 6.64% | -7.76% | -429 bps | |
| Loan Growth (YoY) | -5.08% | -6.56% | -9.33% | -9.64% | -8.37% | -5.25% | -8.63% | -17.83% | -819 bps | |
| Share Growth (YoY) | -5.16% | -1.67% | -8.16% | -2.05% | 1.49% | 6.14% | 10.41% | -4.69% | -264 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.00% | 2.97% | 1.82% | 1.82% | 2.72% | 5.86% | 5.40% | 3.10% | +129 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 | 1.15% | 1.30% | 1.28% | 1.72% | 1.31% | 1.17% | 2.76% | 1.62% | -10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.98% | 10.64% | 9.93% | 9.21% | 8.53% | 8.47% | 6.84% | 6.28% | -292 bps | |
| Net Worth / Assets | 9.98% | 10.64% | 9.93% | 9.21% | 8.53% | 8.47% | 6.84% | 6.28% | -292 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.61% | 72.38% | 65.46% | 62.37% | 59.24% | 64.61% | 54.17% | 53.78% | -860 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |