Cranford, NJ · Charter 9197
Q2 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.52% | 0.03% | 0.22% | 2.71% | 2.36% | -10.53% | 0.66% | -0.67% | -338 bps | |
| Return on Equity | 1.69% | 0.08% | 0.66% | 7.45% | 5.85% | -31.03% | 1.88% | -1.85% | -931 bps | |
| Net Interest Margin | 3.53% | 3.30% | 2.45% | 4.77% | 5.33% | 6.48% | 7.99% | 6.08% | +131 bps | |
| Efficiency Ratio | 85.29% | 99.22% | 91.45% | 43.07% | 55.77% | 59.12% | 91.77% | 111.03% | +6,796 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.11% | -4.88% | 1.62% | -8.62% | -19.67% | -27.61% | -28.36% | -25.08% | -1,646 bps | |
| Loan Growth (YoY) | 14.77% | 10.62% | 10.42% | -6.30% | -2.70% | -21.37% | -23.50% | -24.56% | -1,826 bps | |
| Share Growth (YoY) | -2.67% | -7.69% | 1.44% | -13.18% | -30.89% | -28.87% | -31.47% | -24.87% | -1,170 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.28% | 6.05% | 4.58% | 25.36% | 12.35% | 9.12% | 14.85% | 10.80% | -1,456 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 | 1.39% | 0.31% | 2.03% | 1.21% | 1.46% | 0.44% | 4.64% | 5.49% | +429 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 30.76% | 33.05% | 33.15% | 36.38% | 40.28% | 33.93% | 35.04% | 36.23% | -14 bps | |
| Net Worth / Assets | 30.76% | 33.05% | 33.15% | 36.38% | 40.28% | 33.93% | 35.04% | 36.23% | -14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.60% | 77.02% | 78.45% | 83.12% | 100.82% | 85.14% | 87.57% | 83.47% | +34 bps | |
| Liquid Assets / Assets | 22.22% | 17.54% | 46.01% | 45.57% | 38.41% | 42.14% | 43.97% | 0.00% | -4,557 bps | |