Plainsboro Township, NJ · Cert 91363
FDIC
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 2006, 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.
Plainsboro Township, NJ · Cert 91363
FDIC
Q2 2006
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.26% | 2.27% | 2.71% | 2.73% | 2.88% | 2.83% | 3.47% | 3.55% | +81 bps | |
| Return on Equity | 36.10% | 36.43% | 43.67% | 42.36% | 43.45% | 42.17% | 48.29% | 45.73% | +337 bps | |
| Net Interest Margin | 1.38% | 1.41% | 1.41% | 1.53% | 1.66% | 1.71% | 1.95% | 1.77% | +24 bps | |
| Efficiency Ratio | 23.35% | 23.52% | 20.69% | 21.17% | 21.24% | 21.89% | 20.34% | 21.11% | -6 bps | |
| Non-Interest Burden | -2.11% | -2.12% | -2.56% | -2.51% | -2.68% | -3.18% | -3.28% | -3.52% | -101 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -20.31% | -7.39% | -16.05% | -10.31% | -13.42% | -21.33% | -15.30% | -18.31% | -800 bps | |
| Loan Growth (YoY) | -8.85% | 8.58% | 26.20% | 89.33% | 82.48% | 27.84% | -4.37% | -41.94% | -13,127 bps | |
| Deposit Growth (YoY) | -12.98% | -11.63% | -12.20% | -11.28% | -11.87% | -11.59% | -9.02% | -10.69% | +59 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.02% | 0.02% | +2 bps | |
| Allowance / Loans | 0.03% | 0.05% | 0.06% | 0.08% | 0.08% | 0.10% | 0.10% | 0.16% | +8 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 | 20.31% | 17.39% | 16.65% | 16.78% | 17.15% | 17.96% | 19.11% | 24.19% | +741 bps | |
| Equity / Assets | 6.97% | 6.12% | 6.29% | 6.99% | 7.24% | 7.13% | 7.23% | 9.03% | +204 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 26.93% | 31.95% | 39.71% | 58.98% | 55.77% | 46.20% | 41.74% | 38.34% | -2,064 bps | |
| Liquid Assets / Assets | 0.14% | 0.12% | 0.12% | 0.12% | 0.13% | 0.12% | 0.11% | 0.12% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |