Lodi, NJ · Cert 35240
FDIC
Q3 2004
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 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.10% | 0.53% | 0.68% | 0.72% | 0.77% | 0.72% | 0.88% | 0.83% | +11 bps | |
| Return on Equity | 0.51% | 2.77% | 3.59% | 3.76% | 4.04% | 3.70% | 4.51% | 4.20% | +44 bps | |
| Net Interest Margin | 4.55% | 4.89% | 4.93% | 5.13% | 5.36% | 5.71% | 5.70% | 5.69% | +56 bps | |
| Efficiency Ratio | 92.43% | 80.16% | 76.42% | 76.43% | 76.63% | 76.54% | 72.18% | 74.34% | -209 bps | |
| Non-Interest Burden | 4.18% | 3.83% | 3.64% | 3.79% | 4.01% | 4.32% | 4.06% | 4.16% | +38 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.21% | 14.88% | 5.52% | 4.58% | 8.05% | -3.97% | 0.23% | -1.28% | -585 bps | |
| Loan Growth (YoY) | 18.80% | 23.43% | 8.99% | 8.96% | 10.00% | 3.65% | 5.34% | 5.41% | -355 bps | |
| Deposit Growth (YoY) | 14.17% | 18.01% | 6.08% | 5.17% | 1.45% | -15.70% | -21.33% | -18.87% | -2,404 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 | 0.12% | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.10% | 1.09% | 1.12% | 1.12% | 1.05% | 1.12% | 1.16% | 1.18% | +6 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 | 24.82% | 22.12% | 25.25% | 25.73% | 24.36% | 24.66% | 24.52% | 24.78% | -94 bps | |
| Equity / Assets | 19.97% | 18.17% | 19.10% | 19.08% | 19.13% | 19.67% | 19.86% | 20.19% | +112 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 112.12% | 103.36% | 107.76% | 107.40% | 121.58% | 127.09% | 144.29% | 139.55% | +3,214 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 |