Bayonne, NJ · Charter 66244
Q2 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2004, the quarter ended June 30, 2004, 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.
Bayonne, NJ · Charter 66244
Q2 2004
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 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.09% | 2.40% | 5.92% | 0.29% | -0.81% | -0.10% | -2.48% | -3.67% | -396 bps | |
| Return on Equity | -7.67% | 17.50% | 42.23% | 2.13% | -6.13% | -0.73% | -18.15% | -31.16% | -3,329 bps | |
| Net Interest Margin | 2.67% | 2.49% | 2.21% | 3.14% | 3.01% | 3.15% | 1.79% | 2.19% | -94 bps | |
| Efficiency Ratio | 140.71% | 24.81% | 2.96% | 90.64% | 120.84% | 98.78% | 239% | 267% | +17,673 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.52% | 1.14% | -7.81% | -0.98% | -3.05% | -2.25% | -3.98% | -19.97% | -1,899 bps | |
| Loan Growth (YoY) | -16.69% | -9.20% | -7.45% | 17.82% | 15.89% | 8.45% | -6.79% | -38.09% | -5,592 bps | |
| Share Growth (YoY) | 8.27% | 1.63% | -7.17% | -1.57% | -2.60% | -4.74% | -3.90% | -18.88% | -1,731 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.14% | 7.95% | 10.45% | 6.77% | 7.07% | 8.53% | 13.71% | 0.00% | -677 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 | 4.91% | 5.13% | 4.53% | 1.95% | 2.04% | 2.27% | 2.34% | 0.00% | -195 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.19% | 13.71% | 14.02% | 13.84% | 13.28% | 13.64% | 13.66% | 11.77% | -206 bps | |
| Net Worth / Assets | 14.19% | 13.71% | 14.02% | 13.84% | 13.28% | 13.64% | 13.66% | 11.77% | -206 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 27.32% | 25.48% | 30.27% | 33.46% | 32.50% | 29.01% | 29.36% | 25.53% | -792 bps | |
| Liquid Assets / Assets | 77.58% | 78.61% | 73.73% | 70.29% | 71.11% | 74.29% | 73.53% | 75.78% | +548 bps | |