Garfield, NJ · Charter 821
Q4 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2011, the quarter ended December 31, 2011, 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.
Garfield, NJ · Charter 821
Q4 2011
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 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.20% | -0.52% | 0.05% | -0.60% | -2.57% | -1.45% | -1.37% | -2.22% | -163 bps | |
| Return on Equity | -1.68% | -5.06% | 0.52% | -5.86% | -32.74% | -19.46% | -16.31% | -32.53% | -2,667 bps | |
| Net Interest Margin | 4.61% | 4.10% | 3.68% | 4.14% | 3.56% | 3.31% | 3.69% | 2.49% | -165 bps | |
| Efficiency Ratio | 81.15% | 93.21% | 98.69% | 107.05% | 99.28% | 105.18% | 109.62% | 152.33% | +4,528 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.08% | 3.79% | 4.14% | -11.48% | 24.38% | 17.97% | -5.89% | 9.68% | +2,116 bps | |
| Loan Growth (YoY) | 1.59% | -2.57% | -3.38% | -2.80% | -15.61% | -15.50% | -14.98% | -25.39% | -2,260 bps | |
| Share Growth (YoY) | 5.58% | 4.60% | 4.49% | -12.17% | 30.43% | 21.87% | -5.26% | 12.70% | +2,487 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.82% | 1.03% | 0.55% | 1.25% | 1.25% | 1.08% | 1.69% | 1.79% | +54 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 | 0.34% | 0.22% | 0.22% | 0.25% | 1.40% | 1.47% | 1.51% | 1.67% | +142 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.75% | 10.37% | 9.55% | 10.21% | 7.85% | 7.47% | 8.42% | 6.84% | -337 bps | |
| Net Worth / Assets | 11.75% | 10.37% | 9.55% | 10.21% | 7.85% | 7.47% | 8.42% | 6.84% | -337 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.74% | 52.37% | 47.15% | 52.49% | 38.65% | 36.31% | 42.31% | 34.75% | -1,774 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |