Hillside, NJ · Charter 6666
Q3 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.95% | -1.98% | -0.64% | -0.47% | -0.22% | -3.12% | 0.16% | -5.36% | -489 bps | |
| Return on Equity | 7.41% | -16.57% | -5.20% | -3.80% | -1.77% | -25.29% | 1.20% | -55.81% | -5,201 bps | |
| Net Interest Margin | 2.73% | 2.30% | 2.42% | 2.20% | 2.20% | 2.35% | 2.27% | -1.76% | -396 bps | |
| Efficiency Ratio | 64.82% | 81.85% | 76.38% | 84.34% | 82.90% | 75.12% | 93.09% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.37% | -8.11% | -3.92% | 3.63% | 3.22% | -6.42% | -3.49% | -8.20% | -1,183 bps | |
| Loan Growth (YoY) | -27.59% | -18.61% | -33.59% | -8.85% | -25.46% | -22.66% | -11.08% | -21.56% | -1,271 bps | |
| Share Growth (YoY) | -15.87% | -9.28% | -4.17% | 4.84% | 3.69% | -7.13% | -4.39% | -5.46% | -1,031 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 12.08% | 8.23% | 9.19% | 7.08% | 5.82% | 4.48% | 5.92% | 7.15% | +7 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 | 3.45% | 1.76% | 2.12% | 2.02% | 2.12% | 2.45% | 2.93% | 6.68% | +465 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.87% | 11.98% | 12.38% | 12.43% | 12.25% | 12.32% | 13.01% | 9.61% | -282 bps | |
| Net Worth / Assets | 12.87% | 11.98% | 12.38% | 12.43% | 12.25% | 12.32% | 13.01% | 9.61% | -282 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 29.29% | 24.83% | 21.17% | 22.36% | 21.06% | 20.68% | 19.69% | 18.56% | -381 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |