Cherry Hill, NJ · Cert 57107
FDIC
Q2 2010
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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.13% | -3.11% | -0.92% | -1.42% | -1.72% | -1.92% | -2.17% | -3.29% | -187 bps | |
| Return on Equity | -36.76% | -56.60% | -22.99% | -35.98% | -44.87% | -51.94% | -74.80% | -127.95% | -9,198 bps | |
| Net Interest Margin | 2.47% | 2.35% | 1.55% | 1.47% | 1.55% | 1.53% | 1.69% | 1.80% | +33 bps | |
| Efficiency Ratio | 162.53% | 162.20% | 160.87% | 185.82% | 202% | 231% | 234% | 252% | +6,594 bps | |
| Non-Interest Burden | 4.31% | 4.12% | 2.88% | 3.20% | 3.61% | 3.93% | 3.87% | 4.60% | +140 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -28.76% | -31.90% | -30.03% | -26.41% | -25.87% | -29.92% | -27.87% | -23.90% | +251 bps | |
| Loan Growth (YoY) | -23.93% | -29.11% | -26.68% | -23.58% | -22.42% | -23.24% | -27.89% | -24.48% | -90 bps | |
| Deposit Growth (YoY) | -26.68% | -30.64% | -28.53% | -23.23% | -23.74% | -29.08% | -26.79% | -22.33% | +91 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 | 3.23% | 4.95% | 0.49% | -0.04% | 0.20% | 0.28% | 26.29% | 13.90% | +1,394 bps | |
| Allowance / Loans | 6.42% | 6.56% | 6.70% | 7.55% | 7.63% | 8.27% | 2.59% | 3.08% | -447 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 | 8.62% | 6.87% | 6.81% | 6.66% | 5.98% | 5.53% | 4.90% | 3.54% | -312 bps | |
| Equity / Assets | 5.93% | 3.98% | 4.04% | 3.82% | 3.45% | 2.99% | 2.80% | 1.88% | -194 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.98% | 78.72% | 83.51% | 82.16% | 82.39% | 85.21% | 82.24% | 79.87% | -228 bps | |
| Liquid Assets / Assets | 0.11% | 1.33% | 2.09% | 2.27% | 2.34% | 0.35% | 0.61% | 0.63% | -164 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |