Glen Rock, NJ · Cert 34981
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.
Glen Rock, NJ · Cert 34981
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 | 0.60% | 0.54% | 0.60% | 0.89% | 0.87% | 0.71% | 0.72% | 0.71% | -18 bps | |
| Return on Equity | 4.23% | 3.72% | 4.15% | 6.02% | 6.09% | 5.63% | 5.88% | 6.59% | +57 bps | |
| Net Interest Margin | 4.05% | 4.12% | 4.11% | 4.18% | 3.91% | 2.97% | 2.76% | 2.30% | -188 bps | |
| Efficiency Ratio | 71.92% | 74.80% | 72.17% | 65.45% | 55.84% | 61.49% | 60.87% | 59.80% | -565 bps | |
| Non-Interest Burden | 2.87% | 3.04% | 2.91% | 2.67% | 2.12% | 1.77% | 1.62% | 1.33% | -134 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -17.47% | -14.23% | -5.17% | -7.73% | 19.63% | 43.92% | 32.50% | 111.58% | +11,931 bps | |
| Loan Growth (YoY) | 6.87% | -3.87% | 4.48% | -9.20% | -8.49% | -11.41% | -18.31% | -16.85% | -765 bps | |
| Deposit Growth (YoY) | -19.46% | -26.18% | -26.20% | -18.03% | 9.61% | 75.77% | 81.33% | 194.17% | +21,220 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% | 0.00% | -0.01% | 0.00% | -0.01% | -0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 1.80% | 1.85% | 1.81% | 2.09% | 2.21% | 2.28% | 2.35% | 2.59% | +50 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 | 19.17% | 19.32% | 18.81% | 20.87% | 20.51% | 19.47% | 21.33% | 19.20% | -168 bps | |
| Equity / Assets | 14.84% | 14.71% | 14.99% | 15.78% | 13.18% | 10.08% | 11.10% | 7.25% | -853 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.14% | 106.39% | 127.32% | 112.38% | 77.76% | 53.62% | 57.36% | 31.77% | -8,062 bps | |
| Liquid Assets / Assets | 7.08% | 7.09% | 7.30% | 7.35% | 7.56% | 5.66% | 6.24% | 3.62% | -373 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |