Moorestown, NJ · Charter 23475
Q3 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2007, the quarter ended September 30, 2007, 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 23475
Q3 2007
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 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.66% | -0.29% | -0.38% | -0.28% | -0.55% | 0.09% | 0.27% | -2.09% | -182 bps | |
| Return on Equity | -5.30% | -2.59% | -3.24% | -2.38% | -4.33% | 0.79% | 2.38% | -20.84% | -1,846 bps | |
| Net Interest Margin | 5.10% | 4.44% | 5.07% | 5.16% | 5.83% | 6.11% | 6.17% | 6.34% | +119 bps | |
| Efficiency Ratio | 115.96% | 102.05% | 101.63% | 99.11% | 101.63% | 88.00% | 85.68% | 113.68% | +1,457 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.27% | 0.16% | -1.85% | -4.76% | -5.38% | -5.36% | 1.96% | -1.71% | +305 bps | |
| Loan Growth (YoY) | -20.39% | -17.23% | -0.14% | 15.22% | 17.82% | 19.92% | 13.09% | 6.30% | -892 bps | |
| Share Growth (YoY) | -3.03% | 0.51% | -1.04% | -4.51% | -5.60% | -5.81% | 2.20% | -0.24% | +426 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.36% | 1.43% | 2.28% | 2.11% | 0.00% | 0.00% | 0.34% | 3.89% | +178 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 | 3.51% | 3.94% | 2.65% | 2.93% | 1.30% | 2.57% | 3.09% | 4.65% | +172 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.46% | 11.10% | 11.72% | 11.71% | 12.81% | 11.33% | 11.32% | 10.05% | -166 bps | |
| Net Worth / Assets | 12.46% | 11.10% | 11.72% | 11.71% | 12.81% | 11.33% | 11.32% | 10.05% | -166 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 28.44% | 23.88% | 28.43% | 30.79% | 35.49% | 30.40% | 31.46% | 32.81% | +202 bps | |
| Liquid Assets / Assets | 55.37% | 43.50% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |