Cherry Hill, NJ · Charter 23255
Q2 2005
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 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.12% | 0.05% | 0.02% | -0.32% | -0.33% | -1.45% | -5.63% | -3.51% | -319 bps | |
| Return on Equity | 0.72% | 0.31% | 0.11% | -2.01% | -2.11% | -9.25% | -39.43% | -24.44% | -2,244 bps | |
| Net Interest Margin | 4.51% | 4.61% | 4.39% | 4.21% | 4.16% | 4.45% | 4.23% | 3.83% | -38 bps | |
| Efficiency Ratio | 92.58% | 94.35% | 99.61% | 100.48% | 100.83% | 100.02% | 101.06% | 113.87% | +1,339 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.67% | 7.49% | 4.09% | 3.18% | 3.21% | -1.70% | -2.85% | -8.30% | -1,148 bps | |
| Loan Growth (YoY) | -19.36% | -19.73% | -17.16% | -23.31% | -17.00% | -17.51% | -21.71% | -21.96% | +135 bps | |
| Share Growth (YoY) | 3.86% | 9.18% | 4.93% | 3.99% | 3.68% | -0.20% | -0.84% | -6.23% | -1,023 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.96% | 1.02% | 2.20% | 3.52% | 3.52% | 6.17% | 4.25% | 2.72% | -80 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 | 0.66% | 0.60% | 0.48% | 1.13% | 1.49% | 4.91% | 8.03% | 6.32% | +518 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.58% | 16.84% | 16.65% | 16.01% | 15.78% | 15.68% | 14.27% | 14.38% | -163 bps | |
| Net Worth / Assets | 16.58% | 16.84% | 16.65% | 16.01% | 15.78% | 15.68% | 14.27% | 14.38% | -163 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 39.44% | 39.17% | 37.12% | 32.83% | 31.58% | 32.37% | 29.31% | 27.32% | -551 bps | |
| Liquid Assets / Assets | 9.98% | 23.55% | 25.61% | 42.80% | 30.65% | 37.54% | 48.74% | 75.71% | +3,290 bps | |