Vineland, NJ · Charter 66232
Q2 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2005, the quarter ended June 30, 2005, 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.
Vineland, NJ · Charter 66232
Q2 2005
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 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.91% | 0.95% | 0.54% | 0.57% | 0.53% | 0.56% | 0.44% | -17.28% | -1,785 bps | |
| Return on Equity | 9.86% | 9.86% | 5.51% | 5.80% | 5.56% | 5.86% | 4.56% | -854% | -86,005 bps | |
| Net Interest Margin | 3.65% | 3.97% | 3.45% | 3.16% | 3.02% | 3.15% | 3.18% | -14.72% | -1,788 bps | |
| Efficiency Ratio | 76.06% | 76.15% | 84.46% | 83.16% | 80.49% | 79.51% | 86.16% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.84% | 8.93% | 2.96% | 3.16% | -1.41% | 2.54% | 1.88% | 0.25% | -291 bps | |
| Loan Growth (YoY) | -7.33% | -2.89% | -10.47% | -16.67% | 4.98% | 6.78% | 10.02% | -4.16% | +1,251 bps | |
| Share Growth (YoY) | 4.71% | 10.30% | 3.78% | 3.57% | -1.57% | 2.79% | 2.13% | 10.34% | +677 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.13% | 1.06% | 4.36% | 3.22% | 3.11% | 2.16% | 2.40% | 4.16% | +94 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 | 4.35% | 4.54% | 2.59% | 2.71% | 2.35% | 1.95% | 2.23% | 2.68% | -3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.19% | 9.63% | 9.73% | 9.77% | 9.52% | 9.62% | 9.65% | 2.02% | -774 bps | |
| Net Worth / Assets | 9.19% | 9.63% | 9.73% | 9.77% | 9.52% | 9.62% | 9.65% | 2.02% | -774 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.19% | 68.71% | 57.91% | 54.81% | 64.19% | 71.39% | 62.39% | 47.60% | -720 bps | |
| Liquid Assets / Assets | 47.02% | 39.04% | 46.75% | 49.30% | 41.23% | 34.83% | 42.41% | 51.42% | +212 bps | |