Branchburg, NJ · Cert 34939
FDIC
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 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.
Branchburg, NJ · Cert 34939
FDIC
Q4 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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.53% | 0.56% | 0.57% | 0.62% | 0.46% | 0.48% | 0.50% | 0.47% | -14 bps | |
| Return on Equity | 5.43% | 5.80% | 6.12% | 6.61% | 5.13% | 5.44% | 5.72% | 5.50% | -111 bps | |
| Net Interest Margin | 3.92% | 3.87% | 3.69% | 3.67% | 3.75% | 3.55% | 3.47% | 3.43% | -24 bps | |
| Efficiency Ratio | 77.13% | 75.76% | 74.83% | 73.57% | 77.98% | 76.96% | 75.85% | 75.14% | +157 bps | |
| Non-Interest Burden | 2.95% | 2.86% | 2.69% | 2.62% | 2.86% | 2.68% | 2.58% | 2.52% | -10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.98% | 10.18% | 15.13% | 14.52% | 14.52% | 21.67% | 15.16% | 14.48% | -4 bps | |
| Loan Growth (YoY) | 21.92% | 28.77% | 15.19% | 16.10% | 17.75% | 13.45% | 15.43% | 14.73% | -137 bps | |
| Deposit Growth (YoY) | 23.98% | 10.86% | 15.79% | 15.29% | 15.56% | 23.13% | 15.98% | 14.52% | -78 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 | 0.01% | 0.01% | 0.03% | 0.03% | -0.01% | 0.00% | 0.00% | 0.07% | +4 bps | |
| Allowance / Loans | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.01% | +1 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 | 13.12% | 12.99% | 12.69% | 12.70% | 12.54% | 12.22% | 12.11% | 12.16% | -54 bps | |
| Equity / Assets | 9.53% | 9.37% | 8.94% | 9.23% | 8.78% | 8.38% | 8.29% | 8.57% | -66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.58% | 83.84% | 78.49% | 82.56% | 81.08% | 77.25% | 78.12% | 82.71% | +15 bps | |
| Liquid Assets / Assets | 8.04% | 7.96% | 12.06% | 14.16% | 12.53% | 14.49% | 15.09% | 14.87% | +70 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |