Morristown, NJ · Cert 57385
FDIC
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 31, 2006, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Morristown, NJ · Cert 57385
FDIC
Q1 2006
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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.88% | 1.57% | 1.44% | 1.65% | 2.67% | +79 bps | |
| Return on Equity | 1.94% | 1.62% | 1.50% | 1.72% | 2.79% | +85 bps | |
| Net Interest Margin | 2.17% | 2.40% | 2.63% | 2.87% | 4.10% | +193 bps | |
| Efficiency Ratio | 58.12% | 59.42% | 64.40% | 59.36% | 43.85% | -1,427 bps | |
| Non-Interest Burden | -1.15% | -0.40% | 0.09% | -0.07% | -0.65% | +50 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.45% | 4.67% | 3.60% | 3.01% | 3.04% | -141 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 96.98% | 95.75% | 96.11% | 96.05% | 98.32% | +133 bps | |
| Equity / Assets | 96.77% | 95.60% | 95.52% | 95.60% | 95.67% | -111 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 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 |