Mercerville, NJ · Charter 7507
Q1 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2009, the quarter ended March 31, 2009, 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.
Mercerville, NJ · Charter 7507
Q1 2009
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 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.93% | -2.18% | -2.39% | -4.01% | -5.64% | -5.19% | -7.02% | -4.78% | -77 bps | |
| Return on Equity | -6.73% | -7.83% | -8.58% | -13.45% | -17.13% | -15.14% | -17.68% | -11.84% | +161 bps | |
| Net Interest Margin | 2.80% | 2.54% | 2.51% | 1.88% | 1.89% | 2.46% | 2.36% | 5.69% | +380 bps | |
| Efficiency Ratio | 168.36% | 185.18% | 194.80% | 313% | 398% | 311% | 398% | 143.25% | -16,947 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.56% | 2.28% | 1.80% | -12.32% | -25.64% | -30.68% | -41.92% | -37.07% | -2,474 bps | |
| Loan Growth (YoY) | -37.89% | -48.35% | -30.68% | -47.78% | -71.08% | -75.06% | -65.12% | -30.78% | +1,700 bps | |
| Share Growth (YoY) | -0.19% | 6.71% | 6.90% | -13.80% | -30.71% | -37.07% | -52.22% | -49.40% | -3,560 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 10.63% | 14.80% | 11.50% | 17.13% | 36.79% | 59.33% | 32.97% | 24.75% | +762 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 | 42.66% | 59.35% | 46.13% | 68.71% | 147.56% | 238% | 132.26% | 99.26% | +3,055 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 28.62% | 27.84% | 27.84% | 29.80% | 32.91% | 34.30% | 39.72% | 40.40% | +1,060 bps | |
| Net Worth / Assets | 28.62% | 27.84% | 27.84% | 29.80% | 32.91% | 34.30% | 39.72% | 40.40% | +1,060 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 20.13% | 14.37% | 18.88% | 14.96% | 8.40% | 5.69% | 13.78% | 20.46% | +550 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |