Ridgewood, NJ · Cert 57563
FDIC
Q1 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.75% | -1.97% | -11.08% | -3.98% | -3.45% | -6.15% | -9.16% | -3.62% | +37 bps | |
| Return on Equity | 23.94% | -25.02% | -170.55% | -78.20% | -77.45% | -187.62% | -632% | 3200% | +327,820 bps | |
| Net Interest Margin | 2.90% | 2.06% | 1.65% | 1.12% | 1.08% | 0.93% | 0.33% | 1.19% | +7 bps | |
| Efficiency Ratio | 92.19% | 109.78% | 135.39% | 114.41% | 117.23% | 123.08% | 145.10% | 149.61% | +3,520 bps | |
| Non-Interest Burden | 1.00% | 4.15% | 8.47% | 3.76% | 4.69% | 5.71% | 9.37% | 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% | 0.00% | 11.43% | 1.38% | 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 |