Morristown, NJ · Cert 57385
FDIC
Q1 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.88% | 1.26% | 1.18% | 2.29% | 2.67% | +79 bps | |
| Return on Equity | 1.94% | 1.31% | 1.24% | 2.40% | 2.79% | +85 bps | |
| Net Interest Margin | 2.17% | 2.67% | 3.12% | 3.63% | 4.10% | +193 bps | |
| Efficiency Ratio | 58.12% | 61.11% | 73.28% | 45.22% | 43.85% | -1,427 bps | |
| Non-Interest Burden | -1.15% | 0.33% | 1.06% | -0.53% | -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 |