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Roma Bank

Robbinsville, NJ · Cert 30041

FDIC

Q3 2013

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 2013, the quarter ended September 30, 2013, 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

Roma Bank

Robbinsville, NJ · Cert 30041

FDIC

Q3 2013

$1.5BAssets
$962.4MLoans
$1.3BDeposits
$184.1MEquity
Loan mix
92%RE $772.0M5%C&I $42.1M3%Consumer $23.5MQ3 2012Q3 2013
Deposit mix
94%Interest-bearing $1.2B6%Noninterest $0.1BQ3 2012Q3 2013

NIM

3.29%Q1 ’123.68%Q3 ’123.55%Q3 ’13+13%+2%

Non-interest income vs. expense

2.15%Q1 ’122.55%Q3 ’122.89%Q3 ’13+16%+17%

Executive Summary

  • Earnings: ROA of 0.23%, up 4 bps year over year; NIM at 2.86%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Funding: loans stand at 76.63% of deposits as of Q3 2013.

Financial Results

Return on Assets (YTD, annualized)

0.23%+4 bps YoY

Net Interest Margin (YTD, annualized)

2.86%+4 bps YoY

Efficiency Ratio (YTD, annualized)

89.88%+1,025 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2012Q4 2012Q1 2013Q2 2013Q3 2013YoY ΔTrend
Earnings
Return on Assets0.19%0.13%0.37%0.20%0.23%+4 bps
Return on Equityn/an/a3.35%1.78%2.00%n/a
Net Interest Margin2.81%2.83%2.78%2.77%2.86%+4 bps
Efficiency Ratio79.63%83.59%83.79%91.47%89.88%+1,025 bps
Non-Interest Burden2.16%2.30%2.26%2.50%2.53%+37 bps
Growth
Asset Growth (YoY)-5.55%-4.58%-7.13%-6.81%-8.47%-292 bps
Loan Growth (YoY)8.46%7.74%5.18%3.30%1.05%-741 bps
Deposit Growth (YoY)-7.47%-6.58%-6.94%-7.30%-9.17%-170 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.38%0.35%-0.01%-0.01%-0.01%-38 bps
Allowance / Loans0.77%0.81%0.80%0.84%0.81%+4 bps
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 Capital20.44%20.09%20.55%21.61%22.11%+168 bps
Equity / Assets10.73%10.89%11.20%11.50%11.98%+125 bps
Liquidity & Funding
Loans / Deposits68.87%71.03%72.25%73.68%76.63%+775 bps
Liquid Assets / Assets32.35%30.31%28.37%30.04%27.84%-452 bps
CRE / Total Capitaln/an/an/an/an/an/an/a