Robbinsville, NJ · Cert 30041
FDIC
Q3 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 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.39% | 0.30% | 0.26% | 0.19% | 0.13% | 0.37% | 0.20% | 0.23% | +4 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 3.35% | 1.78% | 2.00% | n/a | |
| Net Interest Margin | n/a | 2.48% | 2.85% | 2.81% | 2.83% | 2.78% | 2.77% | 2.86% | +4 bps | |
| Efficiency Ratio | n/a | 77.78% | 79.40% | 79.63% | 83.59% | 83.79% | 91.47% | 89.88% | +1,025 bps | |
| Non-Interest Burden | n/a | 1.87% | 2.19% | 2.16% | 2.30% | 2.26% | 2.50% | 2.53% | +37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.29% | 2.69% | -2.08% | -5.55% | -4.58% | -7.13% | -6.81% | -8.47% | -292 bps | |
| Loan Growth (YoY) | 6.65% | 7.46% | 7.72% | 8.46% | 7.74% | 5.18% | 3.30% | 1.05% | -741 bps | |
| Deposit Growth (YoY) | 4.32% | 0.21% | -3.82% | -7.47% | -6.58% | -6.94% | -7.30% | -9.17% | -170 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 | n/a | 0.14% | 0.25% | 0.38% | 0.35% | -0.01% | -0.01% | -0.01% | -38 bps | |
| Allowance / Loans | n/a | 0.62% | 0.66% | 0.77% | 0.81% | 0.80% | 0.84% | 0.81% | +4 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 | n/a | 19.53% | 19.42% | 20.44% | 20.09% | 20.55% | 21.61% | 22.11% | +168 bps | |
| Equity / Assets | n/a | 10.17% | 10.55% | 10.73% | 10.89% | 11.20% | 11.50% | 11.98% | +125 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.59% | 63.92% | 66.12% | 68.87% | 71.03% | 72.25% | 73.68% | 76.63% | +775 bps | |
| Liquid Assets / Assets | 0.00% | 37.25% | 32.52% | 32.35% | 30.31% | 28.37% | 30.04% | 27.84% | -452 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |