Westville, NJ · Charter 7145
Q2 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.34% | 0.51% | 0.48% | -0.05% | 0.12% | 0.14% | -0.67% | -0.42% | -36 bps | |
| Return on Equity | 2.93% | 4.48% | 4.36% | -0.49% | 1.00% | 1.31% | -6.05% | -4.13% | -364 bps | |
| Net Interest Margin | 3.10% | 2.99% | 2.77% | 2.55% | 2.30% | 2.20% | 1.75% | 1.64% | -92 bps | |
| Efficiency Ratio | 129.35% | 83.02% | 82.81% | 97.67% | 90.79% | 89.70% | 137.11% | 124.97% | +2,729 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.96% | -8.51% | 3.19% | 2.40% | -0.37% | 9.67% | -2.61% | 11.32% | +892 bps | |
| Loan Growth (YoY) | -14.71% | -18.76% | -13.68% | -13.97% | -16.33% | -11.10% | -11.17% | -6.53% | +744 bps | |
| Share Growth (YoY) | -4.53% | -9.50% | 3.30% | 2.47% | -0.46% | 10.76% | -2.86% | 12.90% | +1,043 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.64% | 2.55% | 0.15% | 0.10% | 0.06% | 0.18% | 0.07% | 0.17% | +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 | 1.18% | 0.58% | 0.71% | 1.05% | 1.01% | 1.33% | 1.76% | 1.85% | +80 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.53% | 11.35% | 10.93% | 11.28% | 11.73% | 10.48% | 11.15% | 10.09% | -120 bps | |
| Net Worth / Assets | 11.53% | 11.35% | 10.93% | 11.28% | 11.73% | 10.48% | 11.15% | 10.09% | -120 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.22% | 61.33% | 53.27% | 51.70% | 58.19% | 49.22% | 48.71% | 42.80% | -889 bps | |
| Liquid Assets / Assets | 37.55% | 43.98% | 50.33% | 52.74% | 41.41% | 53.70% | 41.31% | 47.49% | -526 bps | |