Edgewater, NJ · Charter 5235
Q1 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2004, the quarter ended March 31, 2004, 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.
Edgewater, NJ · Charter 5235
Q1 2004
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 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.21% | 0.17% | 0.11% | -0.04% | -0.08% | 0.02% | 0.07% | -0.87% | -83 bps | |
| Return on Equity | 2.23% | 1.84% | 1.29% | -0.48% | -1.03% | 0.29% | 0.72% | -9.40% | -892 bps | |
| Net Interest Margin | 2.11% | 2.01% | 1.86% | 1.51% | 1.69% | 2.17% | 2.40% | 2.42% | +91 bps | |
| Efficiency Ratio | 90.29% | 91.74% | 94.04% | 102.58% | 104.81% | 98.87% | 107.62% | 135.99% | +3,341 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 44.69% | 60.11% | 49.06% | 41.29% | 15.36% | 6.23% | -5.48% | -15.89% | -5,718 bps | |
| Loan Growth (YoY) | -15.55% | -25.85% | -33.58% | -38.80% | -25.52% | 0.22% | 22.35% | 46.28% | +8,507 bps | |
| Share Growth (YoY) | 50.91% | 68.53% | 55.77% | 46.55% | 16.95% | 6.54% | -6.35% | -17.28% | -6,383 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.41% | 0.13% | 0.76% | 0.69% | 0.55% | 0.36% | 0.77% | 1.03% | +34 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 | 2.31% | 2.47% | 2.85% | 3.18% | 3.17% | 2.54% | 0.73% | 0.67% | -251 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.22% | 8.99% | 8.67% | 8.09% | 7.92% | 8.42% | 9.18% | 9.25% | +116 bps | |
| Net Worth / Assets | 9.22% | 8.99% | 8.67% | 8.09% | 7.92% | 8.42% | 9.18% | 9.25% | +116 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 16.45% | 14.93% | 12.45% | 10.57% | 10.48% | 14.05% | 16.27% | 18.69% | +812 bps | |
| Liquid Assets / Assets | 11.65% | 25.74% | 13.17% | 18.14% | 57.06% | 11.96% | 52.61% | 58.04% | +3,990 bps | |