Bridgewater, NJ · Cert 6308
FDIC
Q4 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.93% | 0.73% | 1.01% | 1.14% | 0.82% | 1.06% | 0.43% | -0.16% | -130 bps | |
| Return on Equity | 11.25% | 9.14% | 10.57% | 10.61% | 7.76% | 10.28% | 4.37% | -1.61% | -1,221 bps | |
| Net Interest Margin | 3.83% | 3.65% | 2.93% | 3.52% | 3.38% | 3.46% | 3.36% | 3.37% | -15 bps | |
| Efficiency Ratio | 55.30% | 64.05% | 62.92% | 63.84% | 75.13% | 61.04% | 81.73% | 86.20% | +2,236 bps | |
| Non-Interest Burden | 1.66% | 2.00% | 1.65% | 2.10% | 2.45% | 1.89% | 2.69% | 2.88% | +77 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.65% | 1.67% | 48.16% | 46.27% | 49.17% | 47.36% | 9.15% | 2.94% | -4,333 bps | |
| Loan Growth (YoY) | -1.33% | 1.48% | 39.97% | 34.61% | 38.35% | 52.07% | 20.27% | 19.53% | -1,508 bps | |
| Deposit Growth (YoY) | -7.05% | 7.32% | 51.47% | 50.41% | 52.25% | 50.91% | 2.73% | 5.47% | -4,494 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 | 0.24% | 1.80% | 0.34% | 0.37% | 0.09% | 0.21% | 0.16% | 1.51% | +114 bps | |
| Allowance / Loans | 1.30% | 1.20% | 1.26% | 1.22% | 1.23% | 1.16% | 1.16% | 1.13% | -9 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 | 11.24% | 10.44% | 11.09% | 11.16% | 11.23% | 10.45% | 10.17% | 10.26% | -90 bps | |
| Equity / Assets | 8.13% | 7.85% | 10.84% | 10.69% | 10.45% | 10.08% | 9.50% | 9.97% | -73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.86% | 85.03% | 76.01% | 77.20% | 79.84% | 85.68% | 88.99% | 87.49% | +1,029 bps | |
| Liquid Assets / Assets | 2.07% | 2.03% | 1.76% | 1.58% | 1.18% | 2.07% | 1.87% | 1.76% | +18 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |