Cranford, NJ · Cert 58046
FDIC
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, 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.
Cranford, NJ · Cert 58046
FDIC
Q3 2011
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 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.82% | 0.66% | -1.36% | -0.89% | -4.55% | 1.39% | -0.88% | -0.82% | +7 bps | |
| Return on Equity | -26.48% | 11.95% | -25.51% | -16.94% | -99.57% | 94.00% | -65.87% | -64.20% | -4,726 bps | |
| Net Interest Margin | 2.54% | 2.94% | 3.25% | 3.35% | 3.62% | 3.34% | 3.32% | 3.32% | -3 bps | |
| Efficiency Ratio | 114.04% | 81.41% | 97.77% | 90.32% | 102.47% | 91.17% | 141.79% | 127.42% | +3,710 bps | |
| Non-Interest Burden | 2.93% | 2.33% | 3.17% | 3.00% | 3.72% | 3.02% | 4.33% | 4.28% | +128 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.02% | 9.87% | 4.09% | 0.56% | -15.24% | -17.16% | -21.22% | -22.76% | -2,333 bps | |
| Loan Growth (YoY) | -3.33% | -3.32% | -0.99% | -7.09% | -12.28% | -15.17% | -26.34% | -23.62% | -1,653 bps | |
| Deposit Growth (YoY) | 15.18% | 12.06% | 6.28% | 2.19% | -11.81% | -13.64% | -18.00% | -19.74% | -2,193 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 | 0.89% | 0.52% | 0.70% | 2.18% | 4.76% | 0.67% | 0.73% | 0.67% | -151 bps | |
| Allowance / Loans | 2.08% | 1.97% | 2.84% | 2.03% | 4.00% | 3.69% | 4.45% | 4.64% | +261 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 | 8.03% | 8.29% | 7.43% | 7.86% | 2.95% | 3.45% | 2.59% | 2.18% | -568 bps | |
| Equity / Assets | 5.47% | 5.63% | 4.88% | 5.11% | 1.29% | 1.68% | 1.03% | 1.07% | -404 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.61% | 81.43% | 81.53% | 80.38% | 82.17% | 79.99% | 73.23% | 76.49% | -389 bps | |
| Liquid Assets / Assets | 7.56% | 7.99% | 3.55% | 5.11% | 5.14% | 12.16% | 11.54% | 11.51% | +640 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |