Totowa, NJ · Cert 26480
FDIC
Q2 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.21% | -0.50% | 0.85% | 1.57% | 0.91% | 0.72% | 0.87% | 0.51% | -106 bps | |
| Return on Equity | 12.28% | -5.26% | 9.31% | 17.08% | 9.68% | 7.58% | 9.16% | 5.39% | -1,169 bps | |
| Net Interest Margin | 3.70% | 3.57% | 3.47% | 3.40% | 3.42% | 3.49% | 3.51% | 3.58% | +18 bps | |
| Efficiency Ratio | 56.50% | 68.30% | 65.93% | 58.69% | 60.83% | 63.78% | 64.62% | 67.23% | +854 bps | |
| Non-Interest Burden | 1.83% | 2.25% | 2.09% | 1.77% | 1.83% | 2.02% | 2.06% | 2.24% | +47 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 60.20% | 68.11% | 8.69% | 10.05% | 9.46% | 2.98% | 2.51% | -0.47% | -1,052 bps | |
| Loan Growth (YoY) | 73.07% | 70.81% | 12.32% | 9.83% | 12.81% | 11.26% | 8.28% | 6.39% | -344 bps | |
| Deposit Growth (YoY) | 69.60% | 66.70% | 7.18% | 9.39% | 7.19% | 3.09% | -1.24% | -6.15% | -1,553 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 | 0.02% | 0.02% | 0.03% | 0.00% | 0.18% | 0.00% | 0.09% | 0.02% | +2 bps | |
| Allowance / Loans | 1.40% | 1.39% | 1.37% | 1.39% | 1.37% | 1.39% | 1.40% | 1.41% | +2 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 | 11.83% | 11.09% | 11.03% | 11.29% | 11.15% | 11.22% | 11.07% | 11.18% | -10 bps | |
| Equity / Assets | 9.91% | 9.09% | 9.08% | 9.35% | 9.42% | 9.64% | 9.43% | 9.64% | +29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.99% | 99.01% | 98.39% | 99.94% | 104.19% | 106.85% | 107.86% | 113.29% | +1,335 bps | |
| Liquid Assets / Assets | 6.08% | 6.63% | 4.36% | 3.67% | 2.65% | 1.82% | 1.65% | 1.55% | -212 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |