Yardville, NJ · Cert 6515
FDIC
Q4 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.84% | 0.88% | 0.86% | -1.29% | 0.96% | 0.76% | 0.50% | -6.18% | -489 bps | |
| Return on Equity | 11.42% | 12.12% | 11.60% | -16.06% | 11.33% | 8.91% | 5.73% | -49.84% | -3,378 bps | |
| Net Interest Margin | 3.08% | 3.02% | 3.05% | 3.11% | 3.37% | 3.21% | 3.22% | -7.43% | -1,055 bps | |
| Efficiency Ratio | 54.10% | 55.16% | 54.04% | 119.42% | 60.10% | 61.76% | 62.95% | 82.74% | -3,668 bps | |
| Non-Interest Burden | 1.57% | 1.56% | 1.55% | 3.78% | 1.93% | 1.88% | 1.94% | -3.91% | -769 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.00% | 3.35% | 0.08% | -11.64% | -9.80% | -15.39% | -13.90% | 5.76% | +1,740 bps | |
| Loan Growth (YoY) | 8.85% | 7.32% | 1.06% | 0.00% | 0.33% | -6.59% | -3.01% | -8.24% | -824 bps | |
| Deposit Growth (YoY) | 7.56% | 7.82% | 1.64% | 1.68% | 4.49% | -2.24% | -3.93% | -4.69% | -637 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 | 0.53% | 0.22% | 0.57% | 0.59% | 0.11% | 0.38% | 0.42% | -0.94% | -153 bps | |
| Allowance / Loans | 1.13% | 1.13% | 1.12% | 1.25% | 1.24% | 1.30% | 1.41% | 3.27% | +203 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 | 10.99% | 10.88% | 11.17% | 11.20% | 11.22% | 11.78% | 11.80% | 11.45% | +25 bps | |
| Equity / Assets | 7.35% | 7.16% | 7.65% | 8.49% | 8.46% | 8.70% | 8.71% | 15.84% | +735 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.13% | 98.65% | 97.39% | 97.68% | 96.14% | 94.25% | 98.32% | 94.05% | -364 bps | |
| Liquid Assets / Assets | 3.75% | 5.13% | 5.43% | 4.92% | 5.80% | 4.30% | 4.90% | 0.23% | -469 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |