Springfield, NJ · Charter 5680
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.
Springfield, NJ · Charter 5680
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 | -0.41% | -0.48% | -0.14% | -0.51% | -2.55% | -3.53% | -1.97% | -17.82% | -1,730 bps | |
| Return on Equity | -4.31% | -5.18% | -1.46% | -5.22% | -27.09% | -37.48% | -20.46% | n/a | n/a | |
| Net Interest Margin | 4.52% | 4.12% | 4.26% | 4.37% | 5.14% | 4.75% | 5.15% | 5.22% | +84 bps | |
| Efficiency Ratio | 103.69% | 100.01% | 97.71% | 103.40% | 129.21% | 169.23% | 135.23% | 146.28% | +4,288 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.21% | -6.94% | -8.75% | -9.00% | -21.39% | -29.39% | -28.57% | -36.43% | -2,742 bps | |
| Loan Growth (YoY) | -2.81% | 9.55% | -0.42% | -0.59% | -8.48% | -17.41% | -19.27% | -35.79% | -3,520 bps | |
| Share Growth (YoY) | -6.67% | -7.25% | -9.41% | -9.18% | -21.35% | -29.17% | -28.10% | -28.51% | -1,933 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.76% | 8.80% | 15.36% | 17.04% | 13.29% | 27.19% | 32.27% | 24.09% | +705 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 | 2.16% | 2.56% | 2.73% | 0.38% | 0.87% | 0.98% | 1.11% | 14.47% | +1,409 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.46% | 9.19% | 9.62% | 9.81% | 9.40% | 9.42% | 9.61% | -0.83% | -1,065 bps | |
| Net Worth / Assets | 9.46% | 9.19% | 9.62% | 9.81% | 9.40% | 9.42% | 9.61% | -0.83% | -1,065 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.67% | 65.60% | 65.36% | 71.09% | 76.42% | 76.50% | 73.39% | 63.86% | -723 bps | |
| Liquid Assets / Assets | 27.64% | 39.36% | 23.08% | 17.91% | 14.03% | 13.07% | 0.00% | 0.00% | -1,791 bps | |