Moorestown, NJ · Charter 23074
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 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.
Moorestown, NJ · Charter 23074
Q3 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 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.25% | -0.68% | -0.90% | -2.35% | -1.93% | -1.38% | -0.81% | -0.93% | +142 bps | |
| Return on Equity | -2.26% | -6.37% | -8.73% | -25.29% | -21.13% | -16.39% | -9.50% | -11.19% | +1,410 bps | |
| Net Interest Margin | 7.07% | 6.31% | 6.30% | 6.31% | 6.26% | 5.42% | 5.44% | 5.53% | -77 bps | |
| Efficiency Ratio | 93.36% | 100.74% | 105.06% | 111.00% | 109.01% | 111.27% | 106.91% | 108.94% | -206 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.49% | -3.24% | -2.35% | -3.32% | -6.10% | 1.12% | 0.36% | 1.00% | +432 bps | |
| Loan Growth (YoY) | -7.13% | -16.07% | -13.62% | -16.96% | -15.37% | -11.72% | -12.49% | -6.33% | +1,063 bps | |
| Share Growth (YoY) | -2.74% | 3.91% | -0.44% | 2.59% | 1.96% | 3.62% | 3.98% | 0.97% | -162 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.14% | 7.21% | 6.73% | 7.13% | 7.66% | 5.08% | 5.49% | 5.25% | -189 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 | 1.03% | 1.29% | 1.44% | 1.44% | 1.19% | 1.04% | 1.05% | 0.81% | -63 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.13% | 10.60% | 10.36% | 9.30% | 9.15% | 8.44% | 8.49% | 8.35% | -96 bps | |
| Net Worth / Assets | 11.13% | 10.60% | 10.36% | 9.30% | 9.15% | 8.44% | 8.49% | 8.35% | -96 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.85% | 85.01% | 86.27% | 78.50% | 78.73% | 72.42% | 72.60% | 72.82% | -568 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |