Newton, NJ · Cert 14940
FDIC
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, 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.
Newton, NJ · Cert 14940
FDIC
Q3 2005
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.04% | 1.30% | 1.09% | 0.35% | 0.45% | 0.76% | 0.85% | 0.90% | +55 bps | |
| Return on Equity | 10.01% | 12.52% | 10.47% | 2.37% | 2.58% | 2.82% | 3.17% | 3.35% | +98 bps | |
| Net Interest Margin | 3.85% | 4.07% | 4.05% | 1.05% | 1.61% | 3.25% | 3.28% | 3.05% | +200 bps | |
| Efficiency Ratio | 65.33% | 59.35% | 59.70% | 54.27% | 59.78% | 60.20% | 56.58% | 54.91% | +64 bps | |
| Non-Interest Burden | 2.37% | 2.26% | 2.26% | 0.57% | 0.98% | 2.05% | 1.91% | 1.71% | +114 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.22% | 2.03% | -1.39% | 16.37% | 14.82% | 14.69% | 16.60% | 0.90% | -1,547 bps | |
| Loan Growth (YoY) | 22.25% | 25.09% | 24.69% | 18.53% | 8.24% | 0.02% | -3.85% | -6.00% | -2,453 bps | |
| Deposit Growth (YoY) | 5.70% | 3.14% | 0.59% | -2.63% | -4.42% | -4.05% | -2.11% | 2.71% | +535 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.33% | 0.11% | 0.27% | 0.09% | 0.21% | 0.12% | +1 bps | |
| Allowance / Loans | 1.18% | 1.14% | 1.14% | 1.08% | 0.92% | 0.96% | 0.95% | 1.02% | -6 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 16.12% | 15.67% | 15.44% | 15.27% | 15.34% | 16.10% | 16.79% | 17.73% | +246 bps | |
| Equity / Assets | 10.36% | 10.39% | 10.35% | 26.15% | 26.49% | 27.15% | 26.99% | 26.62% | +47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.17% | 74.25% | 75.36% | 77.29% | 78.33% | 77.40% | 74.02% | 70.73% | -656 bps | |
| Liquid Assets / Assets | 15.93% | 13.79% | 12.68% | 11.06% | 11.03% | 9.96% | 8.84% | 8.02% | -304 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |