Cranford, NJ · Charter 66276
Q4 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2015, the quarter ended December 31, 2015, 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.
Cranford, NJ · Charter 66276
Q4 2015
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 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.27% | -4.55% | -4.95% | -5.48% | -5.81% | -7.17% | -9.89% | -9.16% | -368 bps | |
| Return on Equity | -8.54% | -9.23% | -10.01% | -10.64% | -11.36% | -13.95% | -20.10% | -18.98% | -834 bps | |
| Net Interest Margin | 3.07% | 2.43% | 2.34% | 2.33% | 2.08% | 2.00% | 2.02% | 2.07% | -27 bps | |
| Efficiency Ratio | 239% | 287% | 311% | 335% | 379% | 458% | 590% | 543% | +20,824 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -17.70% | -5.58% | -7.56% | -11.76% | -12.19% | -15.31% | -15.13% | -10.26% | +150 bps | |
| Loan Growth (YoY) | -37.48% | -34.14% | -41.14% | -45.25% | -39.57% | -30.96% | -13.53% | -21.80% | +2,344 bps | |
| Share Growth (YoY) | -26.36% | -2.81% | -6.96% | -15.24% | -14.74% | -15.70% | -11.19% | 0.31% | +1,556 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 18.65% | 12.51% | 41.65% | 69.54% | 34.08% | 1.87% | 0.00% | 0.00% | -6,954 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 | 10.23% | 11.14% | 13.70% | 15.97% | 16.93% | 16.13% | 15.84% | 20.42% | +445 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 50.03% | 49.27% | 49.47% | 51.53% | 51.15% | 51.42% | 49.22% | 48.26% | -327 bps | |
| Net Worth / Assets | 50.03% | 49.27% | 49.47% | 51.53% | 51.15% | 51.42% | 49.22% | 48.26% | -327 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.45% | 65.29% | 55.20% | 53.36% | 50.64% | 53.47% | 53.75% | 41.60% | -1,177 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |