Newark, NJ · Charter 5329
Q1 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2011, the quarter ended March 31, 2011, 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 5329
Q1 2011
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 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.02% | -1.22% | 1.40% | 0.92% | 0.14% | -2.73% | -3.30% | 0.60% | -32 bps | |
| Return on Equity | 0.29% | -15.94% | 15.79% | 10.18% | 1.66% | -36.34% | -53.89% | 19.61% | +943 bps | |
| Net Interest Margin | 6.60% | 5.90% | 5.43% | 5.47% | 6.03% | 5.90% | 6.03% | 6.26% | +80 bps | |
| Efficiency Ratio | 95.91% | 107.55% | 63.19% | 73.47% | 73.32% | 80.09% | 121.36% | 90.99% | +1,752 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.70% | -9.78% | -13.05% | -8.66% | -7.45% | -1.39% | -3.18% | -8.40% | +26 bps | |
| Loan Growth (YoY) | 25.77% | 24.11% | 11.73% | 5.92% | -6.35% | -8.33% | -14.19% | -34.36% | -4,029 bps | |
| Share Growth (YoY) | -10.67% | -10.23% | -16.18% | -11.92% | -9.53% | -1.29% | 1.31% | -0.68% | +1,124 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 10.81% | 8.48% | 12.61% | 39.19% | 18.82% | 14.53% | 33.06% | 20.12% | -1,907 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 | 1.72% | 1.79% | 2.21% | 2.34% | 0.41% | 2.06% | 2.24% | 4.54% | +220 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.77% | 7.64% | 8.89% | 9.03% | 8.54% | 7.51% | 6.13% | 3.06% | -597 bps | |
| Net Worth / Assets | 7.77% | 7.64% | 8.89% | 9.03% | 8.54% | 7.51% | 6.13% | 3.06% | -597 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.76% | 91.23% | 96.03% | 100.51% | 94.98% | 84.74% | 81.33% | 66.42% | -3,408 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |