Edison, NJ · Cert 34417
FDIC
Q4 2006
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 | 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% | -0.41% | -0.46% | -0.49% | -0.18% | -0.25% | -0.21% | -0.17% | +31 bps | |
| Return on Equity | -4.65% | -5.98% | -6.03% | -6.08% | -1.92% | -2.70% | -2.39% | -1.97% | +411 bps | |
| Net Interest Margin | 2.98% | 3.03% | 3.02% | 3.00% | 2.91% | 2.70% | 2.62% | 2.47% | -52 bps | |
| Efficiency Ratio | 108.98% | 112.00% | 113.61% | 114.41% | 104.13% | 106.44% | 105.59% | 104.43% | -998 bps | |
| Non-Interest Burden | 3.26% | 3.41% | 3.45% | 3.45% | 3.05% | 2.89% | 2.78% | 2.60% | -85 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% | -0.12% | 0.01% | -0.02% | 0.00% | 0.00% | 0.00% | 0.00% | +2 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 |