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First Savings Bank

Woodbridge, NJ · Cert 30255

FDIC

Q2 2004

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2004, the quarter ended June 30, 2004, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Savings Bank

Woodbridge, NJ · Cert 30255

FDIC

Q2 2004

$2.2BAssets
$1.2BLoans
$1.4BDeposits
$219.7MEquity
Deposit mix
93%Interest-bearing $1.3B7%Noninterest $0.1BQ2 2003Q2 2004

NIM

5.66%Q2 ’024.88%Q2 ’034.74%Q2 ’04-9%+7%

Non-interest income vs. expense

1.17%Q2 ’021.21%Q2 ’031.43%Q2 ’04+6%+24%

Executive Summary

  • Earnings: ROA of 1.05%, down 12 bps year over year; NIM at 2.68%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 86.78% of deposits as of Q2 2004.

Financial Results

Return on Assets (YTD, annualized)

1.05%-12 bps YoY

Net Interest Margin (YTD, annualized)

2.68%+18 bps YoY

Efficiency Ratio (YTD, annualized)

46.87%+474 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2003Q3 2003Q4 2003Q1 2004Q2 2004YoY ΔTrend
Earnings
Return on Assets1.16%1.15%0.89%1.26%1.05%-12 bps
Return on Equity12.96%12.71%9.66%12.62%10.44%-251 bps
Net Interest Margin2.50%2.52%2.54%2.71%2.68%+18 bps
Efficiency Ratio42.13%41.69%50.58%40.92%46.87%+474 bps
Non-Interest Burden0.92%0.91%1.12%0.98%1.14%+22 bps
Growth
Asset Growth (YoY)0.95%-0.03%-2.34%-5.07%-3.95%-490 bps
Loan Growth (YoY)-3.91%-2.94%0.78%0.62%-2.28%+163 bps
Deposit Growth (YoY)1.90%1.09%-3.54%-4.35%-3.04%-493 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%0.01%0.01%0.00%0.00%-1 bps
Allowance / Loans1.04%1.05%1.04%1.03%1.08%+4 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital18.63%19.03%19.43%20.05%20.67%+203 bps
Equity / Assets9.03%9.26%9.70%10.29%10.14%+111 bps
Liquidity & Funding
Loans / Deposits86.12%86.03%89.87%90.24%86.78%+67 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a