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
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 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.26% | -4.00% | -4.65% | -4.72% | -2.26% | -1.87% | -1.60% | -1.67% | +304 bps | |
| Return on Equity | -30.71% | -32.42% | -43.83% | -45.24% | -24.72% | -21.45% | -19.29% | -24.61% | +2,063 bps | |
| Net Interest Margin | 2.85% | 2.78% | 2.78% | 3.00% | 3.14% | 3.21% | 3.29% | 2.97% | -3 bps | |
| Efficiency Ratio | 237% | 229% | 237% | 231% | 165.54% | 153.35% | 144.42% | 151.54% | -7,951 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.37% | 1.44% | 3.69% | -1.37% | 6.05% | 2.42% | 2.15% | 23.21% | +2,458 bps | |
| Loan Growth (YoY) | -28.61% | -15.94% | -8.79% | 14.13% | 24.19% | 30.80% | 51.66% | 30.79% | +1,666 bps | |
| Share Growth (YoY) | 2.13% | 10.19% | 12.92% | 5.12% | 12.22% | 6.75% | 4.90% | 28.66% | +2,354 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.66% | 1.46% | 0.22% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 2.73% | 2.49% | 2.57% | 2.28% | 2.26% | 2.00% | 1.89% | 1.96% | -32 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.89% | 12.35% | 10.62% | 10.42% | 9.14% | 8.72% | 8.31% | 6.79% | -363 bps | |
| Net Worth / Assets | 13.89% | 12.35% | 10.62% | 10.42% | 9.14% | 8.72% | 8.31% | 6.79% | -363 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 32.35% | 33.38% | 31.30% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |