Wall Township, NJ · Cert 34388
FDIC
Q2 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2005, the quarter ended June 30, 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.
Wall Township, NJ · Cert 34388
FDIC
Q2 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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.95% | 0.96% | 0.99% | 0.89% | 0.89% | 0.90% | 1.00% | 1.05% | +16 bps | |
| Return on Equity | 11.74% | 12.06% | 12.88% | 12.07% | 12.00% | 11.96% | 12.38% | 12.69% | +62 bps | |
| Net Interest Margin | 4.11% | 4.09% | 4.42% | 4.22% | 4.12% | 4.26% | 4.34% | 4.42% | +20 bps | |
| Efficiency Ratio | 68.39% | 67.65% | 65.79% | 67.83% | 67.64% | 67.39% | 65.84% | 64.98% | -285 bps | |
| Non-Interest Burden | 2.71% | 2.67% | 2.80% | 2.77% | 2.69% | 2.77% | 2.76% | 2.77% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.56% | 18.40% | 22.73% | 21.94% | 17.91% | 10.34% | 4.31% | -2.69% | -2,463 bps | |
| Loan Growth (YoY) | 28.74% | 19.91% | 17.41% | 15.13% | 14.01% | 10.28% | 6.00% | 1.41% | -1,372 bps | |
| Deposit Growth (YoY) | 22.65% | 12.45% | 22.56% | 22.74% | 18.98% | 7.88% | -4.54% | -4.94% | -2,768 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% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.01% | 1.00% | 0.99% | 0.98% | 0.99% | 1.00% | 1.00% | 1.02% | +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 | 12.06% | 11.88% | 11.80% | 11.51% | 11.93% | 12.22% | 12.58% | 12.93% | +142 bps | |
| Equity / Assets | 7.69% | 7.65% | 7.74% | 6.77% | 7.54% | 7.89% | 8.25% | 8.70% | +193 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.40% | 69.43% | 66.68% | 61.88% | 62.66% | 70.98% | 74.04% | 66.01% | +413 bps | |
| Liquid Assets / Assets | 8.78% | 9.11% | 9.46% | 8.59% | 7.04% | 6.19% | 5.57% | 7.03% | -156 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |