Woodbridge, NJ · Cert 30255
FDIC
Q2 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.36% | 1.14% | 1.19% | 1.13% | 1.12% | 0.07% | 1.26% | 0.84% | -29 bps | |
| Return on Equity | 14.48% | 12.39% | 13.30% | 12.74% | 12.25% | 0.79% | 12.62% | 8.21% | -453 bps | |
| Net Interest Margin | 2.83% | 2.60% | 2.56% | 2.46% | 2.48% | 2.52% | 2.71% | 2.61% | +15 bps | |
| Efficiency Ratio | 37.93% | 41.92% | 42.08% | 42.19% | 40.79% | 74.00% | 40.92% | 53.07% | +1,088 bps | |
| Non-Interest Burden | 0.94% | 0.99% | 0.95% | 0.89% | 0.87% | 1.72% | 0.98% | 1.29% | +39 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.44% | 5.78% | 5.07% | 0.95% | -0.03% | -2.34% | -5.07% | -3.95% | -490 bps | |
| Loan Growth (YoY) | 1.55% | -3.33% | -2.87% | -3.91% | -2.94% | 0.78% | 0.62% | -2.28% | +163 bps | |
| Deposit Growth (YoY) | 6.49% | 4.74% | 4.86% | 1.90% | 1.09% | -3.54% | -4.35% | -3.04% | -493 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% | 0.00% | 0.00% | 0.01% | 0.00% | 0.01% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 1.03% | 1.06% | 1.04% | 1.04% | 1.05% | 1.04% | 1.03% | 1.08% | +4 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 | 18.92% | 19.03% | 17.87% | 18.63% | 19.03% | 19.43% | 20.05% | 20.67% | +203 bps | |
| Equity / Assets | 9.26% | 9.20% | 8.73% | 9.03% | 9.26% | 9.70% | 10.29% | 10.14% | +111 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.60% | 86.02% | 85.78% | 86.12% | 86.03% | 89.87% | 90.24% | 86.78% | +67 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 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 |