Denville, NJ · Charter 21517
Q4 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2012, the quarter ended December 31, 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.
Denville, NJ · Charter 21517
Q4 2012
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -4.72% | -2.26% | -1.87% | -1.60% | -1.67% | +304 bps | |
| Return on Equity | -45.24% | -24.72% | -21.45% | -19.29% | -24.61% | +2,063 bps | |
| Net Interest Margin | 3.00% | 3.14% | 3.21% | 3.29% | 2.97% | -3 bps | |
| Efficiency Ratio | 231% | 165.54% | 153.35% | 144.42% | 151.54% | -7,951 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.37% | 6.05% | 2.42% | 2.15% | 23.21% | +2,458 bps | |
| Loan Growth (YoY) | 14.13% | 24.19% | 30.80% | 51.66% | 30.79% | +1,666 bps | |
| Share Growth (YoY) | 5.12% | 12.22% | 6.75% | 4.90% | 28.66% | +2,354 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.10% | 0.07% | 0.03% | 0.00% | 1.03% | +93 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.28% | 2.26% | 2.00% | 1.89% | 1.96% | -32 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.42% | 9.14% | 8.72% | 8.31% | 6.79% | -363 bps | |
| Net Worth / Assets | 10.42% | 9.14% | 8.72% | 8.31% | 6.79% | -363 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 38.15% | 35.80% | 40.91% | 45.25% | 38.78% | +63 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |