Westfield, NJ · Cert 34655
FDIC
Q3 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.23% | 0.84% | 0.82% | 0.94% | 0.65% | 0.58% | -0.34% | -0.35% | -129 bps | |
| Return on Equity | 5.98% | 4.11% | 4.12% | 4.70% | 3.17% | 2.72% | -1.58% | -1.68% | -638 bps | |
| Net Interest Margin | 4.00% | 3.81% | 3.69% | 3.66% | 3.62% | 3.57% | 3.24% | 2.75% | -91 bps | |
| Efficiency Ratio | 43.85% | 60.27% | 57.02% | 54.53% | 65.93% | 69.05% | 79.82% | 100.13% | +4,560 bps | |
| Non-Interest Burden | 1.84% | 2.43% | 2.21% | 2.10% | 2.52% | 2.59% | 2.71% | 2.90% | +80 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 24.38% | 17.74% | 11.16% | 5.62% | 2.45% | -3.17% | -8.88% | -2.32% | -794 bps | |
| Loan Growth (YoY) | 17.84% | 18.60% | 9.17% | -0.97% | -2.68% | -4.17% | -5.95% | -2.66% | -169 bps | |
| Deposit Growth (YoY) | 9.28% | 3.66% | 10.72% | 7.41% | -1.34% | -8.40% | -12.87% | -1.51% | -892 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 | -0.02% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | +1 bps | |
| Allowance / Loans | 1.12% | 1.12% | 1.15% | 1.16% | 1.16% | 1.17% | 1.59% | 1.69% | +53 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 | 11.29% | 11.46% | 11.84% | 12.30% | 12.42% | 12.87% | 13.58% | 11.99% | -32 bps | |
| Equity / Assets | 20.77% | 20.29% | 19.56% | 20.43% | 20.95% | 21.66% | 21.81% | 19.92% | -51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.37% | 100.07% | 92.06% | 95.20% | 99.99% | 104.69% | 99.37% | 94.09% | -111 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |