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Letter portraitLegal landscapeQuarterYTD

Newton Trust Company, The

Newton, NJ · Cert 14940

FDIC

Q3 2005

$374.7MAssets
$190.0MLoans
$268.6MDeposits
$99.7MEquity
Loan mix
84%RE $56.5M16%C&I $11.1M0%Consumer $0.0MQ4 2003Q3 2005
Deposit mix
84%Interest-bearing $225.2M16%Noninterest $43.4MQ4 2003Q3 2005

Executive Summary

  • Earnings: ROA of 0.90%, up 55 bps year over year; NIM at 3.05%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.12%.
  • Funding: loans stand at 70.73% of deposits as of Q3 2005.

Return on Assets (YTD, annualized)

0.90%+55 bps YoY

Net Interest Margin (YTD, annualized)

3.05%+200 bps YoY

Efficiency Ratio (YTD, annualized)

54.91%+64 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

4.91%Q3 ’031.30%Q3 ’043.85%Q3 ’05-73%+191%

Non-interest income vs. expense

2.85%Q3 ’030.73%Q3 ’042.10%Q3 ’05-77%+202%

Year to date, annualized, through each quarter.

MetricQ4 2003Q1 2004Q2 2004Q3 2004Q4 2004Q1 2005Q2 2005Q3 2005YoY ΔTrend
Earnings
Return on Assets1.04%1.30%1.09%0.35%0.45%0.76%0.85%0.90%+55 bps
Return on Equity10.01%12.52%10.47%2.37%2.58%2.82%3.17%3.35%+98 bps
Net Interest Margin3.85%4.07%4.05%1.05%1.61%3.25%3.28%3.05%+200 bps
Efficiency Ratio65.33%59.35%59.70%54.27%59.78%60.20%56.58%54.91%+64 bps
Non-Interest Burden2.37%2.26%2.26%0.57%0.98%2.05%1.91%1.71%+114 bps
Growth
Asset Growth (YoY)5.22%2.03%-1.39%16.37%14.82%14.69%16.60%0.90%-1,547 bps
Loan Growth (YoY)22.25%25.09%24.69%18.53%8.24%0.02%-3.85%-6.00%-2,453 bps
Deposit Growth (YoY)5.70%3.14%0.59%-2.63%-4.42%-4.05%-2.11%2.71%+535 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.33%0.11%0.27%0.09%0.21%0.12%+1 bps
Allowance / Loans1.18%1.14%1.14%1.08%0.92%0.96%0.95%1.02%-6 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital16.12%15.67%15.44%15.27%15.34%16.10%16.79%17.73%+246 bps
Equity / Assets10.36%10.39%10.35%26.15%26.49%27.15%26.99%26.62%+47 bps
Liquidity & Funding
Loans / Deposits69.17%74.25%75.36%77.29%78.33%77.40%74.02%70.73%-656 bps
Liquid Assets / Assets15.93%13.79%12.68%11.06%11.03%9.96%8.84%8.02%-304 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a