Cranford, NJ · Cert 58046
FDIC
Q3 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.81% | 0.66% | -3.39% | 0.07% | -16.48% | 1.39% | -3.25% | -0.68% | -76 bps | |
| Return on Equity | -46.99% | 11.95% | -64.52% | 1.48% | -498% | 94.00% | -239% | -65.19% | -6,667 bps | |
| Net Interest Margin | 3.12% | 2.94% | 3.51% | 3.38% | 3.69% | 3.34% | 3.01% | 2.93% | -45 bps | |
| Efficiency Ratio | 105.27% | 81.41% | 112.63% | 75.74% | 140.89% | 91.17% | 383% | 113.98% | +3,825 bps | |
| Non-Interest Burden | 3.30% | 2.33% | 3.97% | 2.50% | 5.19% | 3.02% | 5.39% | 3.70% | +120 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 | 0.99% | 0.52% | 0.89% | 5.04% | 12.18% | 0.67% | 0.68% | 0.52% | -452 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 |