New Brunswick, NJ · Charter 22887
Q3 2005
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
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 | 1.80% | 2.76% | 1.43% | -0.30% | 0.09% | 1.86% | 0.40% | -0.15% | +15 bps | |
| Return on Equity | 16.45% | 26.77% | 14.07% | -3.71% | 0.97% | 19.58% | 4.09% | -1.57% | +214 bps | |
| Net Interest Margin | 4.04% | 5.56% | 3.82% | 2.93% | 3.35% | 3.39% | 2.72% | 3.72% | +79 bps | |
| Efficiency Ratio | 55.49% | 50.41% | 62.61% | 109.98% | 97.48% | 45.08% | 85.87% | 58.91% | -5,107 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 52.22% | 59.17% | 46.32% | 19.27% | 18.49% | 1.22% | -4.94% | -13.70% | -3,297 bps | |
| Loan Growth (YoY) | -2.97% | -0.56% | -11.88% | -23.11% | -15.00% | -8.76% | 13.22% | 5.68% | +2,879 bps | |
| Share Growth (YoY) | 57.41% | 66.01% | 52.74% | 23.45% | 21.88% | 1.82% | -4.77% | -15.16% | -3,860 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.97% | 4.63% | 11.86% | 8.45% | 20.41% | 30.11% | 20.19% | 25.44% | +1,699 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 | 5.57% | 3.10% | 3.45% | 3.69% | 3.22% | 3.40% | 2.54% | 0.83% | -285 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.94% | 10.30% | 10.15% | 8.06% | 8.85% | 9.50% | 9.71% | 9.41% | +135 bps | |
| Net Worth / Assets | 10.94% | 10.30% | 10.15% | 8.06% | 8.85% | 9.50% | 9.71% | 9.41% | +135 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.33% | 52.22% | 46.06% | 39.02% | 47.66% | 46.80% | 54.76% | 48.60% | +958 bps | |
| Liquid Assets / Assets | 39.70% | 51.66% | 57.31% | 63.40% | 55.23% | 55.76% | 46.24% | 53.32% | -1,007 bps | |