Linwood, NJ · Cert 35143
FDIC
Q4 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.73% | 0.71% | 0.73% | 0.64% | -0.52% | 0.76% | 0.95% | 0.73% | +9 bps | |
| Return on Equity | 8.63% | 8.63% | 8.79% | 7.50% | -6.01% | 8.85% | 10.78% | 8.29% | +79 bps | |
| Net Interest Margin | 3.00% | 2.95% | 2.81% | 2.72% | 2.75% | 3.01% | 3.04% | 2.84% | +12 bps | |
| Efficiency Ratio | 61.95% | 63.67% | 67.65% | 68.21% | 70.49% | 68.35% | 66.96% | 73.58% | +536 bps | |
| Non-Interest Burden | 1.79% | 1.81% | 1.84% | 1.79% | 1.86% | 1.97% | 1.93% | 2.01% | +22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 38.45% | 30.46% | 24.60% | 12.85% | 6.08% | 4.03% | -2.19% | -0.67% | -1,351 bps | |
| Loan Growth (YoY) | 33.03% | 21.20% | 20.25% | 13.71% | 12.46% | 13.29% | 9.84% | 13.04% | -68 bps | |
| Deposit Growth (YoY) | 35.23% | 38.25% | 25.98% | 18.17% | 6.84% | 3.21% | 1.03% | -2.26% | -2,043 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% | 0.00% | 0.01% | 0.04% | -0.01% | 0.00% | 0.01% | 0.00% | -4 bps | |
| Allowance / Loans | 1.17% | 1.17% | 1.15% | 1.17% | 1.20% | 1.22% | 1.21% | 1.20% | +3 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 | 12.20% | 12.43% | 12.15% | 11.86% | 11.31% | 11.25% | 11.53% | 11.45% | -41 bps | |
| Equity / Assets | 8.23% | 8.28% | 8.41% | 8.60% | 8.63% | 8.65% | 8.90% | 8.74% | +14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.08% | 83.84% | 87.24% | 86.87% | 90.61% | 92.03% | 94.84% | 100.47% | +1,360 bps | |
| Liquid Assets / Assets | 12.71% | 10.82% | 10.13% | 9.74% | 8.94% | 1.15% | 0.98% | 0.85% | -889 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |