Elizabeth, NJ · Cert 34270
FDIC
Q2 2009
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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.42% | -1.98% | -1.73% | -0.87% | -1.84% | -6.77% | -6.25% | -4.36% | -349 bps | |
| Return on Equity | -4.02% | -20.10% | -21.54% | -10.64% | -22.48% | -93.02% | -255% | -220% | -20,921 bps | |
| Net Interest Margin | 4.00% | 3.38% | 2.90% | 3.00% | 2.54% | 2.74% | 2.10% | 2.20% | -81 bps | |
| Efficiency Ratio | 68.37% | 90.78% | 120.27% | 110.92% | 120.27% | 143.80% | 196.07% | 204% | +9,323 bps | |
| Non-Interest Burden | 2.58% | 3.03% | 3.63% | 3.38% | 3.18% | 4.11% | 4.56% | 4.91% | +154 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.41% | 5.47% | -3.14% | 10.66% | -4.17% | -15.19% | -13.55% | -21.21% | -3,187 bps | |
| Loan Growth (YoY) | 3.47% | -1.73% | -6.58% | -11.74% | -12.90% | -9.92% | -6.15% | -6.02% | +572 bps | |
| Deposit Growth (YoY) | 3.29% | 7.61% | -0.79% | 14.33% | -2.69% | -13.78% | -10.99% | -17.85% | -3,218 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 | 0.45% | 0.87% | 0.33% | 0.57% | 3.39% | 5.50% | 7.28% | 8.05% | +749 bps | |
| Allowance / Loans | 3.03% | 4.10% | 4.67% | 4.69% | 3.55% | 6.40% | 6.03% | 4.04% | -65 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 | 13.45% | 11.75% | 12.43% | 17.18% | 15.47% | 5.52% | 3.42% | 2.56% | -1,462 bps | |
| Equity / Assets | 9.98% | 7.91% | 8.19% | 8.37% | 8.33% | 3.11% | 1.74% | 1.03% | -734 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.62% | 70.75% | 73.04% | 63.01% | 70.37% | 73.93% | 77.01% | 72.09% | +908 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.03% | 0.02% | 0.03% | 0.03% | 0.03% | 0.03% | +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 |