Newark, NJ · Charter 24164
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 2006, 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.
Newark, NJ · Charter 24164
Q3 2006
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 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.00% | -3.41% | -3.31% | -3.03% | -0.77% | 2.81% | -33.63% | -28.10% | -2,507 bps | |
| Return on Equity | 0.01% | -23.48% | -22.66% | -20.46% | -5.43% | 25.14% | n/a | n/a | n/a | |
| Net Interest Margin | 3.59% | 3.73% | 4.23% | 3.33% | 3.30% | 9.46% | 10.68% | 6.86% | +352 bps | |
| Efficiency Ratio | 92.14% | 165.76% | 155.00% | 169.95% | 110.85% | 70.55% | 252% | 273% | +10,271 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.75% | -4.00% | -3.92% | -8.44% | 4.52% | 6.15% | -35.53% | -21.50% | -1,306 bps | |
| Loan Growth (YoY) | 11.09% | 9.72% | 74.69% | 70.50% | 70.79% | 28.25% | -73.48% | -81.49% | -15,199 bps | |
| Share Growth (YoY) | 0.16% | -4.35% | -3.51% | -6.72% | 15.75% | 16.57% | -4.20% | -0.71% | +601 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 12.65% | 13.02% | 7.25% | 7.68% | 12.91% | 24.80% | 43.02% | 30.35% | +2,267 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 | 0.26% | 0.64% | 0.60% | 0.66% | 0.67% | 0.86% | 7.61% | 12.48% | +1,182 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.69% | 14.54% | 14.60% | 14.83% | 14.24% | 11.16% | -22.34% | -26.27% | -4,110 bps | |
| Net Worth / Assets | 15.69% | 14.54% | 14.60% | 14.83% | 14.24% | 11.16% | -22.34% | -26.27% | -4,110 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.49% | 62.95% | 107.87% | 113.11% | 93.69% | 69.26% | 29.87% | 21.09% | -9,202 bps | |
| Liquid Assets / Assets | 37.63% | 36.63% | 5.21% | 8.11% | 20.02% | 23.19% | 0.00% | 0.00% | -811 bps | |