Edison, NJ · Cert 34417
FDIC
Q4 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.32% | -0.51% | -0.57% | -0.58% | -0.18% | -0.31% | -0.15% | -0.06% | +52 bps | |
| Return on Equity | -4.65% | -7.39% | -6.64% | -5.89% | -1.92% | -3.48% | -1.78% | -0.72% | +517 bps | |
| Net Interest Margin | 2.98% | 3.01% | 2.94% | 2.99% | 2.91% | 2.64% | 2.65% | 2.38% | -60 bps | |
| Efficiency Ratio | 108.98% | 115.06% | 116.96% | 116.75% | 104.13% | 108.85% | 103.85% | 100.75% | -1,600 bps | |
| Non-Interest Burden | 3.26% | 3.48% | 3.47% | 3.52% | 3.05% | 2.91% | 2.76% | 2.40% | -112 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.89% | -6.67% | -10.21% | -8.61% | 4.25% | 8.30% | 18.54% | 10.47% | +1,908 bps | |
| Loan Growth (YoY) | 70.55% | 38.41% | 22.31% | 15.06% | 20.31% | 29.32% | 30.07% | 24.14% | +909 bps | |
| Deposit Growth (YoY) | -2.57% | -6.69% | -13.70% | -10.17% | 0.43% | 3.39% | 21.76% | 14.91% | +2,509 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 | -0.24% | 0.00% | 0.27% | -0.12% | 0.00% | 0.00% | 0.00% | 0.00% | +12 bps | |
| Allowance / Loans | 1.32% | 1.34% | 1.26% | 1.25% | 1.14% | 1.07% | 1.05% | 1.07% | -18 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 | 12.98% | 12.18% | 16.40% | 15.44% | 14.31% | 13.37% | 12.82% | 13.02% | -242 bps | |
| Equity / Assets | 6.97% | 6.93% | 10.12% | 9.65% | 9.16% | 8.65% | 8.26% | 8.71% | -94 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.08% | 61.74% | 67.76% | 70.60% | 74.37% | 77.23% | 72.39% | 76.27% | +567 bps | |
| Liquid Assets / Assets | 3.10% | 6.13% | 1.95% | 2.30% | 1.08% | 1.26% | 1.00% | 1.56% | -75 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |