Summit, NJ · Charter 9884
Q2 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.85% | 1.20% | 0.34% | -0.13% | -0.08% | -0.06% | -1.13% | -5.12% | -499 bps | |
| Return on Equity | -15.92% | 9.78% | 2.73% | -1.02% | -0.68% | -0.49% | -8.81% | -45.89% | -4,487 bps | |
| Net Interest Margin | 3.28% | 3.26% | 2.79% | 2.35% | 2.66% | 2.02% | 1.21% | 1.31% | -104 bps | |
| Efficiency Ratio | 55.59% | 41.94% | 62.26% | 77.95% | 103.16% | 103.03% | 178.05% | 430% | +35,159 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.07% | -3.16% | -3.17% | -3.55% | 0.61% | -2.38% | -3.53% | -5.57% | -202 bps | |
| Loan Growth (YoY) | 6.81% | 19.76% | 4.84% | -16.64% | -43.21% | -55.66% | -64.93% | -59.79% | -4,315 bps | |
| Share Growth (YoY) | -1.17% | -0.67% | -0.68% | -0.61% | -0.01% | -2.92% | -3.84% | -3.80% | -319 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 23.99% | 23.99% | 35.48% | 33.95% | 25.90% | 0.00% | 0.00% | 12.09% | -2,187 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 | 9.91% | 9.91% | 10.63% | 13.37% | 18.54% | 33.92% | 71.85% | 89.53% | +7,616 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.64% | 12.26% | 12.57% | 12.34% | 12.30% | 12.58% | 12.77% | 11.16% | -119 bps | |
| Net Worth / Assets | 11.64% | 12.26% | 12.57% | 12.34% | 12.30% | 12.58% | 12.77% | 11.16% | -119 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 26.95% | 26.95% | 26.26% | 20.87% | 15.31% | 12.31% | 9.58% | 8.72% | -1,215 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |