Fort Lee, NJ · Cert 33791
FDIC
Q2 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.25% | 0.98% | 1.06% | 1.29% | 0.97% | 1.02% | 1.19% | 1.32% | +3 bps | |
| Return on Equity | 1.82% | 7.60% | 8.46% | 10.50% | 8.29% | 9.00% | 10.30% | 11.18% | +68 bps | |
| Net Interest Margin | 4.39% | 4.25% | 4.06% | 4.21% | 3.81% | 3.88% | 3.71% | 3.69% | -51 bps | |
| Efficiency Ratio | 72.94% | 78.45% | 69.09% | 65.32% | 71.09% | 70.83% | 68.42% | 61.25% | -406 bps | |
| Non-Interest Burden | 2.76% | 2.93% | 2.27% | 2.14% | 2.20% | 2.24% | 1.99% | 1.45% | -69 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 29.26% | 30.64% | 38.79% | 23.20% | 30.77% | 27.59% | 21.86% | 15.44% | -776 bps | |
| Loan Growth (YoY) | 111.34% | 128.67% | 108.26% | 10.29% | 40.50% | 25.92% | 26.76% | 25.40% | +1,511 bps | |
| Deposit Growth (YoY) | 33.11% | 34.93% | 45.04% | 24.39% | 32.71% | 28.35% | 23.12% | 16.53% | -786 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 | -1.04% | 0.41% | 0.33% | -0.02% | 0.00% | 0.41% | 0.12% | -0.70% | -68 bps | |
| Allowance / Loans | 2.52% | 2.21% | 2.35% | 2.50% | 2.07% | 2.01% | 2.00% | 2.18% | -32 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 | 13.79% | 13.64% | 13.74% | 13.89% | 10.87% | 11.36% | 11.97% | 12.38% | -150 bps | |
| Equity / Assets | 13.24% | 12.69% | 12.48% | 12.10% | 11.28% | 11.31% | 11.70% | 11.83% | -27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 51.78% | 54.69% | 51.93% | 49.25% | 54.82% | 53.66% | 53.46% | 52.99% | +375 bps | |
| Liquid Assets / Assets | 0.31% | 0.23% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.01% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |