Trenton, NJ · Charter 63512
Q2 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2014, the quarter ended June 30, 2014, 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.
Trenton, NJ · Charter 63512
Q2 2014
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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.01% | -4.01% | -10.21% | -5.38% | -3.53% | -2.04% | -0.73% | -1.33% | +405 bps | |
| Return on Equity | -22.28% | -27.45% | -94.64% | -45.26% | -32.95% | -13.58% | -6.88% | -12.17% | +3,309 bps | |
| Net Interest Margin | 5.94% | 9.46% | 5.44% | 5.57% | 5.10% | 6.73% | 6.06% | 5.91% | +34 bps | |
| Efficiency Ratio | 141.56% | 129.33% | 285% | 187.03% | 164.31% | 127.48% | 111.58% | 121.84% | -6,519 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.96% | -11.50% | -10.33% | -11.78% | -7.77% | -6.29% | -4.90% | -2.42% | +936 bps | |
| Loan Growth (YoY) | 1.28% | -9.98% | -14.10% | -17.81% | -17.23% | -22.55% | -22.83% | -40.59% | -2,278 bps | |
| Share Growth (YoY) | -7.76% | -10.57% | -7.97% | -10.99% | -9.06% | -6.12% | -2.44% | -0.24% | +1,074 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.55% | 4.68% | 5.43% | 3.75% | 7.69% | 7.25% | 8.50% | 8.77% | +502 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 | 3.44% | 3.04% | 3.77% | 1.74% | 0.84% | 0.61% | 8.96% | 10.80% | +906 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.50% | 14.62% | 10.78% | 11.88% | 10.72% | 15.05% | 10.57% | 10.89% | -99 bps | |
| Net Worth / Assets | 13.50% | 14.62% | 10.78% | 11.88% | 10.72% | 15.05% | 10.57% | 10.89% | -99 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.56% | 50.65% | 35.76% | 43.10% | 33.28% | 41.79% | 28.28% | 25.67% | -1,743 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |