Sparta, NJ · Cert 57837
FDIC
Q3 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.53% | -3.03% | -3.07% | -2.71% | -2.47% | -2.26% | -4.28% | -2.35% | +36 bps | |
| Return on Equity | -13.72% | -13.29% | -15.31% | -14.90% | -14.26% | -13.69% | -32.18% | -21.96% | -705 bps | |
| Net Interest Margin | 2.80% | 2.65% | 2.63% | 2.75% | 2.71% | 2.80% | 2.66% | 3.04% | +28 bps | |
| Efficiency Ratio | 216% | 205% | 200% | 187.14% | 179.75% | 180.57% | 204% | 126.65% | -6,049 bps | |
| Non-Interest Burden | 6.11% | 5.47% | 5.31% | 5.21% | 4.93% | 5.09% | 5.49% | 3.86% | -136 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 64.74% | 64.40% | 77.84% | 35.20% | 23.06% | 17.59% | 34.07% | 31.79% | -340 bps | |
| Loan Growth (YoY) | 108.61% | 33.38% | 13.11% | 62.82% | 61.98% | 82.12% | 78.40% | 58.06% | -476 bps | |
| Deposit Growth (YoY) | 129.74% | 120.44% | 138.68% | 54.42% | 34.67% | 25.80% | 34.95% | 32.80% | -2,161 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% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.27% | 1.34% | 1.39% | 1.25% | 1.19% | 1.02% | 1.39% | 1.43% | +18 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 | 38.69% | 36.87% | 32.77% | 26.71% | 24.45% | 21.55% | 17.65% | 16.33% | -1,038 bps | |
| Equity / Assets | 23.85% | 21.74% | 18.53% | 17.79% | 16.80% | 16.16% | 11.03% | 10.35% | -744 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.04% | 58.43% | 56.34% | 66.31% | 74.63% | 84.59% | 74.48% | 78.92% | +1,261 bps | |
| Liquid Assets / Assets | 10.39% | 10.78% | 9.71% | 13.36% | 14.66% | 13.08% | 10.10% | 5.73% | -763 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |