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Cape Savings Bank

Cape May Court House, NJ · Cert 28395

FDIC · 22 branches

Q1 2016

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: Q1 2016, the quarter ended March 31, 2016, 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 2026-10-10

Cape Savings Bank

Cape May Court House, NJ · Cert 28395

FDIC · 22 branches

Q1 2016

$1.6BAssets
$1.2BLoans
$1.2BDeposits
$164.0MEquity
Loan mix
89%RE $819.1M10%C&I $95.6M0%Consumer $0.9MQ1 2015Q1 2016
Deposit mix
86%Interest-bearing $1.1B14%Noninterest $0.2BQ1 2015Q1 2016

NIM

3.80%Q1 ’143.65%Q1 ’153.84%Q1 ’16-4%+8%

Non-interest income vs. expense

2.35%Q1 ’142.56%Q1 ’152.18%Q1 ’16+28%-26%

Market Position · Vineland-Bridgeton, NJ · 2015 SOD (annual) · 18.3% share · #1 of 12 inst. · $0.4B of $2.4B

18.3% Cumberland
8.5% Atlantic
11.7% Cape May
1.5% Gloucester

Executive Summary

  • Earnings: ROA of 0.82%, up 37 bps year over year; NIM at 3.47%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.42%.
  • Capital: tier 1 leverage ratio of 8.64%, down 179 bps from a year ago.
  • Funding: loans stand at 95.14% of deposits as of Q1 2016.

Financial Results

Return on Assets (YTD, annualized)

0.82%+37 bps YoY

Net Interest Margin (YTD, annualized)

3.47%+26 bps YoY

Efficiency Ratio (YTD, annualized)

58.20%-2,168 bps YoY

Tier 1 Leverage Ratio

8.64%-179 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2015Q2 2015Q3 2015Q4 2015Q1 2016YoY ΔTrend
Earnings
Return on Assets0.45%1.25%1.12%0.98%0.82%+37 bps
Return on Equity3.66%10.85%9.95%9.00%8.05%+439 bps
Net Interest Margin3.21%2.65%2.85%2.91%3.47%+26 bps
Efficiency Ratio79.89%61.92%62.51%64.36%58.20%-2,168 bps
Non-Interest Burden2.49%1.25%1.46%1.61%1.86%-64 bps
Growth
Asset Growth (YoY)-0.15%42.56%44.66%48.34%45.87%+4,602 bps
Loan Growth (YoY)-0.91%43.02%43.93%50.71%51.29%+5,219 bps
Deposit Growth (YoY)-6.56%56.90%60.97%65.03%65.18%+7,174 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.11%0.23%0.24%0.18%0.42%+31 bps
Allowance / Loans1.17%0.92%0.89%0.85%0.84%-33 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.43%8.96%8.87%8.59%8.64%-179 bps
Total Risk-Based Capital14.99%13.21%12.67%11.93%12.09%-290 bps
Equity / Assets12.22%10.58%10.42%10.05%10.32%-190 bps
Liquidity & Funding
Loans / Deposits103.88%87.94%87.13%89.18%95.14%-874 bps
Liquid Assets / Assets2.50%1.55%1.40%1.30%1.03%-147 bps
CRE / Total Capitaln/an/an/an/an/an/an/a