Montclair, NJ · Charter 6197
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.
Montclair, NJ · Charter 6197
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 | -0.59% | 0.44% | -0.08% | 0.49% | 0.72% | 1.41% | 0.35% | 0.13% | -36 bps | |
| Return on Equity | -4.81% | 3.57% | -0.60% | 3.47% | 4.25% | 7.83% | 1.94% | 0.74% | -274 bps | |
| Net Interest Margin | 1.51% | 3.05% | 2.53% | 3.27% | 4.07% | 4.86% | 4.03% | 3.94% | +67 bps | |
| Efficiency Ratio | 124.63% | 86.12% | 102.95% | 85.18% | 82.45% | 71.05% | 91.22% | 96.61% | +1,143 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.30% | 2.41% | -3.68% | -10.04% | -24.25% | -27.45% | -25.71% | -20.10% | -1,006 bps | |
| Loan Growth (YoY) | -6.95% | -10.33% | 138.03% | 116.16% | 131.81% | 129.93% | -24.61% | -18.20% | -13,436 bps | |
| Share Growth (YoY) | 0.77% | 3.25% | -3.25% | -11.21% | -27.88% | -31.86% | -30.60% | -23.48% | -1,228 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.18% | 2.75% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 14.13% | 15.98% | 5.36% | 5.95% | 6.10% | 6.95% | 7.11% | 7.27% | +132 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.36% | 12.37% | 12.81% | 14.22% | 17.03% | 17.99% | 18.24% | 18.20% | +398 bps | |
| Net Worth / Assets | 12.36% | 12.37% | 12.81% | 14.22% | 17.03% | 17.99% | 18.24% | 18.20% | +398 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 16.43% | 14.39% | 45.08% | 44.50% | 52.81% | 48.55% | 48.96% | 47.57% | +307 bps | |
| Liquid Assets / Assets | 73.53% | 86.30% | 55.81% | 55.68% | 55.83% | 51.62% | 0.00% | 0.00% | -5,568 bps | |