Long Branch, NJ · Cert 34612
FDIC
Q3 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.46% | 0.24%1 | -17.79% | 0.65%1 | -0.46% | 0.54% | 0.82% | 0.48% | -17 bps | |
| Return on Equity | 3.25% | 1.60% | -140.77% | 6.14% | -4.27% | 4.96% | 7.45% | 4.32% | -181 bps | |
| Net Interest Margin | 3.41% | 3.24% | 2.84% | 3.25% | 3.07% | 3.32% | 3.40% | 3.25% | 0 bps | |
| Efficiency Ratio | 71.88% | 76.44% | 77.94% | 72.15% | 92.08% | 77.22% | 66.30% | 79.75% | +760 bps | |
| Non-Interest Burden | 2.46% | 2.49% | 19.70% | 2.27% | 2.87% | 2.56% | 2.06% | 2.58% | +30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.06% | 9.52% | 13.05% | 4.09% | -3.60% | -0.92% | -4.34% | 2.09% | -200 bps | |
| Loan Growth (YoY) | 14.43% | 12.63% | 14.18% | 9.56% | 4.89% | 2.40% | -3.70% | -5.33% | -1,488 bps | |
| Deposit Growth (YoY) | 3.85% | 7.93% | 9.49% | 13.18% | 11.71% | 5.94% | 4.50% | 2.93% | -1,024 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% | 0.77% | -0.11% | -0.02% | 0.81% | 0.34% | 0.40% | -0.01% | +1 bps | |
| Allowance / Loans | 1.31% | 1.98% | 2.02% | 2.28% | 2.54% | 2.51% | 2.46% | 2.48% | +20 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 | 15.24% | 14.66% | 13.16% | 14.23% | 14.00% | 14.33% | 14.43% | 13.72% | -51 bps | |
| Equity / Assets | 14.70% | 15.20% | 10.19% | 10.86% | 10.65% | 10.93% | 11.17% | 11.01% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.29% | 84.04% | 84.63% | 82.68% | 81.02% | 81.24% | 77.99% | 76.05% | -663 bps | |
| Liquid Assets / Assets | 2.45% | 2.08% | 1.73% | 1.70% | 1.25% | 6.52% | 6.19% | 4.94% | +324 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |