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 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.34% | -0.83% | -12.47% | -21.20% | -8.56% | -6.62% | -602% | -43.47% | -2,226 bps | |
| Return on Equity | n/a | -6.77% | -60.77% | -22.58% | -9.05% | -7.01% | -636% | -43.59% | -2,101 bps | |
| Net Interest Margin | 3.04% | 3.31% | 2.80% | 0.07% | 0.11% | 0.16% | 0.04% | 0.00% | -7 bps | |
| Efficiency Ratio | 152.06% | 121.14% | 440% | 570% | 7567% | 4350% | 852300% | 112475% | +11,190,462 bps | |
| Non-Interest Burden | 4.65% | 4.02% | 20.55% | 21.36% | 8.67% | 6.77% | 361% | 36.05% | +1,470 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.19% | -7.42% | -90.62% | -91.17% | -90.47% | -89.99% | -90.08% | -97.56% | -639 bps | |
| Loan Growth (YoY) | 7.91% | -2.03% | -99.21% | -99.21% | -99.19% | -99.19% | -100.00% | -100.00% | -79 bps | |
| Deposit Growth (YoY) | 31.66% | -5.23% | -99.52% | -99.53% | -99.47% | -99.44% | -100.00% | -100.00% | -47 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | n/a | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | |
| Allowance / Loans | 1.28% | 1.35% | 0.00% | 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 | 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 | 19.44% | 19.91% | 485% | 404% | 404% | 400% | 491% | 480% | +7,531 bps | |
| Equity / Assets | 11.93% | 12.58% | 93.41% | 94.38% | 94.77% | 94.11% | 99.64% | 100.00% | +562 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.03% | 60.37% | 87.00% | 87.00% | 87.00% | 87.00% | n/a | n/a | n/a | |
| Liquid Assets / Assets | 8.76% | 9.62% | 0.00% | 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 | n/a | n/a | n/a |