Bloomfield, NJ · Charter 2613
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 31, 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.
Bloomfield, NJ · Charter 2613
Q1 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 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.01% | 0.00% | 0.01% | 0.01% | 0.01% | 0.01% | -8.09% | -8.30% | -831 bps | |
| Return on Equity | 0.05% | 0.03% | 0.06% | 0.04% | 0.05% | 0.05% | -40.89% | -43.67% | -4,370 bps | |
| Net Interest Margin | 3.71% | 2.47% | 4.06% | 4.75% | 4.92% | 5.29% | -2.21% | 3.91% | -84 bps | |
| Efficiency Ratio | 99.80% | 99.80% | 99.77% | 99.84% | 99.76% | 99.76% | n/a | 232% | +13,188 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.95% | -4.32% | -11.16% | -27.98% | -33.64% | -41.20% | -42.13% | -33.08% | -510 bps | |
| Loan Growth (YoY) | -18.09% | 0.67% | -5.53% | -4.82% | 3.07% | -1.93% | -3.45% | -4.76% | +5 bps | |
| Share Growth (YoY) | 5.93% | -3.99% | -12.87% | -32.79% | -39.90% | -48.51% | -44.32% | -32.11% | +68 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.08% | 5.08% | 15.50% | 14.63% | 13.48% | 4.96% | 5.12% | 6.49% | -814 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 | 2.57% | 2.57% | 3.62% | 3.84% | 3.94% | 4.14% | 5.93% | 7.95% | +411 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.43% | 14.43% | 16.12% | 19.89% | 21.76% | 24.56% | 19.77% | 19.02% | -87 bps | |
| Net Worth / Assets | 14.43% | 14.43% | 16.12% | 19.89% | 21.76% | 24.56% | 19.77% | 19.02% | -87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 24.05% | 24.05% | 26.61% | 34.76% | 41.24% | 45.80% | 46.14% | 48.76% | +1,400 bps | |
| Liquid Assets / Assets | 63.94% | 63.94% | 64.92% | 64.25% | 65.04% | 62.67% | 60.40% | 43.03% | -2,122 bps | |