South Orange, NJ · Cert 35265
FDIC
Q3 2011
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 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.01%1 | 0.35% | 0.39% | 0.48% | 0.32%1 | 0.33% | 0.45% | 0.48% | +1 bps | |
| Return on Equity | 0.17% | 5.98% | 6.60% | 7.98% | 5.46% | 5.65% | 7.80% | 8.28% | +30 bps | |
| Net Interest Margin | 2.37% | 2.94% | 2.93% | 2.94% | 2.91% | 3.00% | 3.07% | 3.00% | +6 bps | |
| Efficiency Ratio | 114.49% | 86.98% | 87.34% | 88.55% | 87.15% | 88.12% | 87.41% | 85.63% | -292 bps | |
| Non-Interest Burden | 2.76% | 2.53% | 2.54% | 2.59% | 2.53% | 2.63% | 2.67% | 2.55% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.39% | -3.52% | 1.03% | 8.55% | 7.65% | 6.16% | 7.76% | 9.58% | +103 bps | |
| Loan Growth (YoY) | 7.91% | 5.48% | 7.38% | 6.77% | 4.66% | 5.07% | 1.29% | 4.27% | -250 bps | |
| Deposit Growth (YoY) | 5.47% | -2.73% | 0.49% | 9.86% | 8.93% | 7.25% | 9.16% | 11.38% | +153 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 | 0.04% | 0.17% | 0.04% | -0.02% | 0.03% | 1.43% | 0.82% | 0.82% | +83 bps | |
| Allowance / Loans | 1.13% | 1.13% | 1.15% | 1.22% | 1.49% | 1.16% | 1.16% | 1.10% | -12 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 | 10.30% | 10.39% | 10.45% | 10.54% | 10.56% | 11.02% | 11.24% | 11.05% | +50 bps | |
| Equity / Assets | 5.82% | 5.82% | 6.10% | 6.09% | 5.78% | 5.74% | 5.90% | 5.84% | -26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.47% | 83.07% | 86.49% | 85.77% | 84.04% | 81.38% | 80.26% | 80.29% | -548 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 |