Glen Rock, NJ · Cert 34981
FDIC
Q4 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.48% | 0.74% | 1.77% | 0.87% | 0.58% | 0.69% | 0.77% | -100 bps | |
| Return on Equity | 4.23% | 3.22% | 5.01% | 11.48% | 6.09% | 5.08% | 6.49% | 8.80% | -268 bps | |
| Net Interest Margin | 4.05% | 4.07% | 4.10% | 4.04% | 3.91% | 2.92% | 2.71% | 2.24% | -179 bps | |
| Efficiency Ratio | 71.92% | 77.72% | 66.93% | 44.54% | 55.84% | 67.25% | 59.59% | 56.51% | +1,197 bps | |
| Non-Interest Burden | 2.87% | 3.12% | 2.68% | 1.68% | 2.12% | 1.91% | 1.55% | 1.21% | -47 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% | 0.00% | 0.00% | -0.02% | 0.00% | -0.02% | 0.00% | 0.00% | +2 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 |