Clinton, NJ · Charter 21903
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.
Clinton, NJ · Charter 21903
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 | -5.76% | -4.16% | -3.79% | -3.49% | -2.00% | -2.22% | -2.30% | -2.43% | +106 bps | |
| Return on Equity | -18.67% | -14.57% | -14.26% | -13.65% | -7.68% | -8.84% | -9.43% | -10.03% | +362 bps | |
| Net Interest Margin | 2.53% | 2.37% | 2.25% | 2.14% | 1.99% | 1.82% | 1.79% | 1.74% | -40 bps | |
| Efficiency Ratio | 214% | 217% | 229% | 235% | 206% | 230% | 236% | 245% | +986 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.63% | -2.71% | 3.84% | 7.32% | 7.35% | 2.58% | -0.87% | -4.11% | -1,143 bps | |
| Loan Growth (YoY) | 16.29% | 14.21% | 13.26% | -4.19% | -8.43% | -16.43% | -20.70% | -15.35% | -1,117 bps | |
| Share Growth (YoY) | -3.30% | 3.34% | 13.95% | 17.42% | 15.21% | 8.36% | 2.89% | -1.69% | -1,911 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.44% | 2.33% | 1.32% | 2.53% | 1.40% | 1.44% | 1.52% | 1.53% | -100 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 | 2.47% | 2.37% | 2.37% | 2.39% | 2.41% | 2.39% | 2.46% | 2.47% | +8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 30.86% | 28.57% | 26.55% | 25.54% | 25.97% | 25.18% | 24.37% | 24.21% | -133 bps | |
| Net Worth / Assets | 30.86% | 28.57% | 26.55% | 25.54% | 25.97% | 25.18% | 24.37% | 24.21% | -133 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.35% | 69.57% | 63.44% | 57.62% | 57.50% | 53.66% | 48.89% | 49.62% | -801 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |