Bedminster, NJ · Cert 22399
FDIC
Q4 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -36.16% | -27.65% | -18.84% | -11.72% | -37.94% | -178 bps | |
| Return on Equity | n/a | n/a | -22.79% | -14.62% | -50.64% | n/a | |
| Net Interest Margin | n/a | 3.75% | 4.07% | 3.13% | 2.30% | n/a | |
| Efficiency Ratio | n/a | 392% | 317% | 215% | 511% | n/a | |
| Non-Interest Burden | n/a | 47.85% | 32.66% | 26.24% | 68.17% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 71.74% | 3.96% | 7.46% | 14.31% | -15.31% | -8,705 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | n/a | 309% | 271% | 214% | 164.81% | n/a | |
| Equity / Assets | n/a | 82.95% | 82.37% | 77.94% | 71.78% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |