Nutley, NJ · Cert 35342
FDIC
Q3 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.09% | 1.07% | 1.22% | 1.37% | 2.40% | 2.08% | 1.83% | 1.22% | -15 bps | |
| Return on Equity | 13.32% | 12.15% | 11.29% | 11.59% | 19.52% | 16.14% | 14.83% | 9.94% | -165 bps | |
| Net Interest Margin | 4.15% | 4.13% | 3.98% | 4.10% | 4.33% | 4.75% | 5.15% | 5.10% | +100 bps | |
| Efficiency Ratio | 67.48% | 69.40% | 62.50% | 59.56% | 53.39% | 51.18% | 44.68% | 46.53% | -1,303 bps | |
| Non-Interest Burden | 2.77% | 2.84% | 2.46% | 2.41% | 2.28% | 2.38% | 2.25% | 2.32% | -10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 32.26% | 30.67% | 39.40% | 39.31% | 25.49% | 23.73% | 17.55% | 7.70% | -3,161 bps | |
| Loan Growth (YoY) | 30.33% | 43.63% | 23.78% | 37.06% | 34.33% | 35.62% | 31.91% | 23.86% | -1,320 bps | |
| Deposit Growth (YoY) | 34.65% | 30.43% | 34.17% | 34.04% | 19.22% | 19.06% | 17.87% | 6.44% | -2,760 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 | 0.02% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.09% | 1.10% | 1.10% | 1.11% | 1.15% | 1.17% | 1.17% | 1.30% | +18 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 | 10.73% | 12.48% | 16.28% | 15.82% | 16.16% | 15.78% | 15.16% | 15.65% | -17 bps | |
| Equity / Assets | 8.01% | 9.50% | 11.89% | 11.85% | 12.80% | 12.91% | 11.86% | 12.76% | +91 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.59% | 88.37% | 83.95% | 86.94% | 96.44% | 100.66% | 93.95% | 101.17% | +1,423 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 |