Princeton, NJ · Cert 25809
FDIC
Q3 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.45% | 0.03% | 0.14% | -0.02% | 0.13% | 0.02% | 0.11% | -0.15% | -13 bps | |
| Return on Equity | -0.68% | 0.05% | 0.20% | -0.03% | 0.17% | 0.02% | 0.13% | -0.17% | -14 bps | |
| Net Interest Margin | 0.11% | 0.17% | 0.16% | -0.02% | 0.04% | 0.05% | 0.03% | 0.03% | +5 bps | |
| Efficiency Ratio | 28.73% | 63.01% | -61.32% | 67.41% | 450% | 10.53% | -290% | 49.18% | -1,823 bps | |
| Non-Interest Burden | 0.53% | 0.14% | -0.03% | -0.07% | 0.12% | 0.03% | -0.12% | -0.01% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.97% | -19.02% | -10.15% | -11.08% | -21.37% | -19.59% | -15.91% | -19.86% | -879 bps | |
| Loan Growth (YoY) | -100.00% | -100.00% | n/a | n/a | n/a | n/a | n/a | n/a | n/a | |
| Deposit Growth (YoY) | -5.62% | -36.41% | -28.42% | -28.53% | -66.31% | -65.49% | -61.17% | -72.96% | -4,443 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | 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 | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | 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 | 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 | 322% | 330% | 353% | 354% | 411% | 413% | 423% | 447% | +9,391 bps | |
| Equity / Assets | 66.78% | 68.29% | 73.08% | 72.76% | 85.01% | 85.01% | 86.97% | 90.83% | +1,807 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 32.49% | 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 | n/a | n/a | n/a |