Sewell, NJ · Cert 28126
FDIC
Q4 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2013, the quarter ended December 31, 2013, 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.
Sewell, NJ · Cert 28126
FDIC
Q4 2013
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 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.18% | -0.23% | -0.35% | -1.35% | 0.05% | 0.07% | 0.15% | 0.16% | +151 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 0.68% | 0.91% | 1.92% | 1.94% | n/a | |
| Net Interest Margin | 3.13% | 3.17% | 3.24% | 3.21% | 3.01% | 3.02% | 3.05% | 3.16% | -6 bps | |
| Efficiency Ratio | 84.60% | 87.75% | 87.39% | 86.02% | 87.74% | 87.86% | 86.44% | 87.00% | +98 bps | |
| Non-Interest Burden | 2.62% | 2.77% | 2.81% | 2.74% | 2.61% | 2.63% | 2.61% | 2.72% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.37% | -7.11% | -8.04% | -8.60% | -8.19% | -4.77% | -4.09% | -6.57% | +204 bps | |
| Loan Growth (YoY) | 10.46% | 5.66% | 0.02% | -2.38% | -4.72% | -8.07% | -4.66% | -2.93% | -56 bps | |
| Deposit Growth (YoY) | -2.88% | -7.89% | -7.54% | -7.04% | -6.77% | -2.82% | -3.55% | -7.55% | -51 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 | 0.44% | 0.48% | 0.66% | 0.77% | 0.13% | 0.22% | 0.28% | 0.28% | -49 bps | |
| Allowance / Loans | 1.25% | 1.22% | 1.27% | 1.20% | 1.28% | 1.32% | 1.29% | 1.31% | +11 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 | 14.51% | 14.80% | 14.95% | 15.63% | 15.91% | 16.19% | 16.53% | 16.93% | +130 bps | |
| Equity / Assets | 8.44% | 8.81% | 8.93% | 7.92% | 7.98% | 8.03% | 8.26% | 8.59% | +67 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.93% | 79.91% | 77.82% | 75.75% | 75.56% | 75.59% | 76.93% | 79.53% | +378 bps | |
| Liquid Assets / Assets | 11.53% | 10.47% | 11.60% | 14.10% | 14.76% | 15.48% | 14.20% | 12.77% | -133 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |