Elizabeth, NJ · Charter 4273
Q3 2004
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
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 | 1.29% | 0.44% | 0.41% | 0.52% | 0.84% | 0.98% | 1.35% | 1.04% | +52 bps | |
| Return on Equity | 7.08% | 2.50% | 2.35% | 3.14% | 4.99% | 6.06% | 8.82% | 6.55% | +341 bps | |
| Net Interest Margin | 6.98% | 8.47% | 8.52% | 7.49% | 7.44% | 6.99% | 6.74% | 7.26% | -23 bps | |
| Efficiency Ratio | 68.61% | 83.10% | 87.48% | 85.15% | 82.84% | 78.50% | 69.05% | 72.66% | -1,250 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.11% | 16.91% | 10.44% | 17.22% | 11.95% | 15.49% | 24.68% | 12.22% | -499 bps | |
| Loan Growth (YoY) | 30.04% | 0.54% | 22.84% | -21.15% | -3.21% | -1.40% | 19.10% | 45.83% | +6,699 bps | |
| Share Growth (YoY) | 27.20% | 20.93% | 11.04% | 20.18% | 12.64% | 16.57% | 27.58% | 11.97% | -821 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.34% | 1.91% | 4.78% | 2.64% | 2.78% | 1.16% | 2.84% | 3.75% | +111 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.35% | 4.26% | 3.99% | 5.32% | 4.23% | 3.07% | 2.85% | 4.04% | -128 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.25% | 17.55% | 17.53% | 16.42% | 16.84% | 16.13% | 15.30% | 15.81% | -61 bps | |
| Net Worth / Assets | 18.25% | 17.55% | 17.53% | 16.42% | 16.84% | 16.13% | 15.30% | 15.81% | -61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.56% | 63.29% | 70.02% | 51.40% | 66.65% | 53.53% | 65.36% | 66.95% | +1,555 bps | |
| Liquid Assets / Assets | 18.48% | 47.32% | 33.91% | 49.36% | 37.95% | 54.83% | 44.63% | 44.50% | -485 bps | |