PackageTrendsPeer
Letter portraitLegal landscape

Custodial Trust Company

Princeton, NJ · Cert 25809

FDIC

Q3 2011

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2011, the quarter ended September 30, 2011, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Custodial Trust Company

Princeton, NJ · Cert 25809

FDIC

Q3 2011

$288.1MAssets
n/aLoans
$25.2MDeposits
$261.6MEquity
Deposit mix
0%Interest-bearing $0.0M100%Noninterest $25.2MQ3 2010Q3 2011

NIM

0.70%Q3 ’090.14%Q3 ’100.04%Q3 ’11-80%-62%

Non-interest income vs. expense

0.48%Q3 ’090.03%Q3 ’10-0.02%Q3 ’11+102%-257%

Executive Summary

  • Earnings: ROA of -0.01%, down 6 bps year over year; NIM at 0.04%.
  • Funding: loans stand at 0.00% of deposits as of Q3 2011.

Financial Results

Return on Assets (YTD, annualized)

-0.01%-6 bps YoY

Net Interest Margin (YTD, annualized)

0.04%-7 bps YoY

Efficiency Ratio (YTD, annualized)

-47.71%-7,064 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2010Q4 2010Q1 2011Q2 2011Q3 2011YoY ΔTrend
Earnings
Return on Assets0.05%0.07%0.02%0.06%-0.01%-6 bps
Return on Equity0.07%0.09%0.02%0.07%-0.01%-8 bps
Net Interest Margin0.11%0.09%0.05%0.04%0.04%-7 bps
Efficiency Ratio22.93%48.50%10.53%-170.83%-47.71%-7,064 bps
Non-Interest Burden0.02%0.04%0.03%-0.04%-0.03%-5 bps
Growth
Asset Growth (YoY)-11.08%-21.37%-19.59%-15.91%-19.86%-879 bps
Loan Growth (YoY)n/an/an/an/an/an/a
Deposit Growth (YoY)-28.53%-66.31%-65.49%-61.17%-72.96%-4,443 bps
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital354%411%413%423%447%+9,391 bps
Equity / Assets72.76%85.01%85.01%86.97%90.83%+1,807 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets0.00%32.49%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a