Sewell, NJ · Cert 28126
FDIC
Q4 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | -0.29% | -0.58% | -4.51% | 0.05% | 0.09% | 0.32% | 0.17% | +468 bps | |
| Return on Equity | n/a | -3.39% | -6.57% | -53.57% | 0.68% | 1.13% | 3.95% | 1.98% | +5,555 bps | |
| Net Interest Margin | 3.13% | 3.13% | 3.13% | 3.09% | 3.01% | 3.00% | 3.04% | 3.16% | +7 bps | |
| Efficiency Ratio | 84.60% | 91.18% | 86.64% | 81.80% | 87.74% | 87.97% | 83.61% | 88.71% | +691 bps | |
| Non-Interest Burden | 2.62% | 2.85% | 2.68% | 2.49% | 2.61% | 2.62% | 2.51% | 2.78% | +29 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% | 0.54% | 0.98% | 1.03% | 0.13% | 0.31% | 0.39% | 0.26% | -78 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 |