Saddle River, NJ · Cert 57936
FDIC
Q4 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -21.20% | -8.56% | -6.62% | -602% | -43.47% | -2,226 bps | |
| Return on Equity | -22.58% | -9.05% | -7.01% | -636% | -43.59% | -2,101 bps | |
| Net Interest Margin | 0.07% | 0.11% | 0.16% | 0.04% | 0.00% | -7 bps | |
| Efficiency Ratio | 570% | 7567% | 4350% | 852300% | 112475% | +11,190,462 bps | |
| Non-Interest Burden | 21.36% | 8.67% | 6.77% | 361% | 36.05% | +1,470 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -91.17% | -90.47% | -89.99% | -90.08% | -97.56% | -639 bps | |
| Loan Growth (YoY) | -99.21% | -99.19% | -99.19% | -100.00% | -100.00% | -79 bps | |
| Deposit Growth (YoY) | -99.53% | -99.47% | -99.44% | -100.00% | -100.00% | -47 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | n/a | n/a | n/a | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 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 | 404% | 404% | 400% | 491% | 480% | +7,531 bps | |
| Equity / Assets | 94.38% | 94.77% | 94.11% | 99.64% | 100.00% | +562 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 87.00% | 87.00% | 87.00% | n/a | n/a | n/a | |
| Liquid Assets / Assets | 77.75% | 89.48% | 91.73% | 0.00% | 0.00% | -7,775 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |