Ridgewood, NJ · Cert 57563
FDIC
Q1 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2009, the quarter ended March 31, 2009, 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.
Ridgewood, NJ · Cert 57563
FDIC
Q1 2009
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 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.25% | 0.16% | -2.65% | -3.98% | -3.68% | -4.48% | -5.59% | -3.62% | +37 bps | |
| Return on Equity | 17.63% | 2.27% | -38.71% | -78.20% | -77.85% | -106.12% | -160.63% | 3200% | +327,820 bps | |
| Net Interest Margin | 2.83% | 2.63% | 2.29% | 1.12% | 1.18% | 1.13% | 0.91% | 1.19% | +7 bps | |
| Efficiency Ratio | 93.60% | 98.77% | 107.29% | 114.41% | 115.82% | 118.16% | 124.66% | 149.61% | +3,520 bps | |
| Non-Interest Burden | 1.42% | 2.36% | 3.80% | 3.76% | 4.51% | 5.01% | 6.04% | 4.80% | +105 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.32% | -7.31% | 2.73% | -14.15% | -13.14% | -15.65% | -14.81% | -11.27% | +289 bps | |
| Loan Growth (YoY) | 13.55% | -0.93% | -2.05% | -3.48% | -8.78% | -16.52% | -13.05% | -18.32% | -1,484 bps | |
| Deposit Growth (YoY) | 14.31% | -5.53% | 3.88% | -12.51% | -10.24% | -10.83% | -9.75% | -5.87% | +664 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 | 0.00% | 0.00% | 0.00% | 8.24% | 4.26% | 6.82% | 5.56% | 0.00% | -824 bps | |
| Allowance / Loans | 4.12% | 4.00% | 5.81% | 4.36% | 4.51% | 2.53% | 2.63% | 2.88% | -148 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 | 14.42% | 12.00% | 9.04% | 8.04% | 6.89% | 4.84% | 0.76% | -2.09% | -1,014 bps | |
| Equity / Assets | 7.98% | 7.75% | 5.21% | 4.96% | 3.96% | 2.57% | 0.32% | -0.58% | -554 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.28% | 77.93% | 73.62% | 80.20% | 76.51% | 72.95% | 70.92% | 69.60% | -1,060 bps | |
| Liquid Assets / Assets | 0.39% | 0.40% | 0.41% | 0.46% | 0.46% | 0.48% | 0.48% | 0.53% | +6 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |