Paramus, NJ · Cert 27180
FDIC
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 2005, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Paramus, NJ · Cert 27180
FDIC
Q4 2005
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 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.19% | 1.17% | 1.22% | 1.40% | 1.34% | 1.32% | 1.35% | 1.42% | +1 bps | |
| Return on Equity | 15.22% | 15.00% | 15.22% | 17.06% | 15.39% | 15.33% | 16.08% | 16.53% | -53 bps | |
| Net Interest Margin | 3.77% | 3.54% | 3.61% | 3.62% | 4.00% | 3.84% | 3.89% | 4.00% | +38 bps | |
| Efficiency Ratio | 58.44% | 58.17% | 56.81% | 52.88% | 54.37% | 54.29% | 52.56% | 50.91% | -197 bps | |
| Non-Interest Burden | 1.91% | 1.77% | 1.76% | 1.61% | 1.88% | 1.81% | 1.78% | 1.76% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.11% | 14.10% | 14.23% | 16.43% | 15.27% | 18.22% | 24.48% | 10.69% | -574 bps | |
| Loan Growth (YoY) | 32.72% | 23.45% | 26.24% | 23.04% | 20.63% | 18.50% | 11.59% | 6.77% | -1,627 bps | |
| Deposit Growth (YoY) | 20.40% | 19.52% | 18.97% | 15.56% | 10.94% | 19.02% | 26.78% | 16.82% | +126 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 | 0.00% | 0.04% | 0.02% | 0.02% | -0.03% | -0.01% | -0.01% | 0.01% | -1 bps | |
| Allowance / Loans | 1.41% | 1.37% | 1.27% | 1.27% | 1.28% | 1.27% | 1.27% | 1.34% | +7 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 | 10.01% | 10.41% | 10.51% | 10.84% | 11.15% | 11.27% | 11.15% | 11.78% | +94 bps | |
| Equity / Assets | 7.57% | 7.91% | 8.56% | 8.96% | 8.48% | 8.35% | 7.99% | 9.15% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.78% | 89.74% | 98.14% | 106.24% | 96.54% | 89.35% | 86.39% | 97.10% | -914 bps | |
| Liquid Assets / Assets | 2.65% | 2.68% | 4.34% | 5.00% | 6.84% | 8.14% | 8.07% | 9.83% | +482 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |