Shrewsbury, NJ · Cert 21492
FDIC
Q4 2004
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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.37% | 1.41% | 1.43% | 1.44% | 1.40% | 1.39% | 1.41% | 1.41% | -3 bps | |
| Return on Equity | 10.20% | 10.41% | 10.56% | 10.54% | 9.85% | 9.96% | 10.06% | 9.99% | -55 bps | |
| Net Interest Margin | 3.77% | 3.74% | 3.59% | 3.70% | 3.91% | 3.83% | 3.82% | 3.88% | +18 bps | |
| Efficiency Ratio | 57.67% | 57.58% | 56.79% | 56.32% | 55.48% | 55.79% | 55.59% | 56.23% | -9 bps | |
| Non-Interest Burden | 1.58% | 1.57% | 1.48% | 1.53% | 1.73% | 1.71% | 1.70% | 1.76% | +23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.83% | 5.90% | 8.83% | 4.14% | 4.73% | 4.76% | 2.64% | 5.54% | +140 bps | |
| Loan Growth (YoY) | 15.18% | 22.29% | 17.03% | 16.85% | 13.95% | 8.93% | 9.82% | 8.60% | -824 bps | |
| Deposit Growth (YoY) | 10.05% | 5.92% | 10.63% | 3.83% | 3.86% | 5.27% | 2.31% | 6.79% | +296 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 | 0.01% | 0.01% | 0.01% | 0.01% | 0.14% | 0.07% | 0.04% | 0.04% | +3 bps | |
| Allowance / Loans | 1.42% | 1.34% | 1.31% | 1.29% | 1.25% | 1.24% | 1.20% | 1.19% | -10 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 | 21.39% | 21.21% | 21.05% | 22.26% | 22.08% | 22.17% | 21.30% | 21.30% | -96 bps | |
| Equity / Assets | 13.43% | 13.64% | 13.54% | 14.20% | 14.15% | 13.62% | 14.20% | 14.21% | +1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.00% | 72.15% | 72.79% | 77.11% | 75.71% | 74.67% | 78.13% | 78.41% | +131 bps | |
| Liquid Assets / Assets | 8.38% | 4.17% | 1.83% | 1.79% | 4.06% | 1.76% | 1.83% | 5.39% | +361 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |