Vineland, NJ · Cert 30218
FDIC · 9 branches
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 31, 2015, 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.
Vineland, NJ · Cert 30218
FDIC · 9 branches
Q1 2015
Market Position · Vineland-Bridgeton, NJ · 2014 SOD (annual) · 15.3% share · #2 of 12 inst. · $0.4B of $2.5B
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 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.10% | -0.49% | -0.27% | 0.07% | 0.26% | 0.26% | 0.34% | 0.79% | +72 bps | |
| Return on Equity | -1.02% | -4.95% | -2.68% | 0.67% | 2.55% | 2.51% | 3.22% | 6.93% | +626 bps | |
| Net Interest Margin | 2.29% | 2.33% | 2.38% | 2.42% | 2.37% | 2.35% | 2.35% | 2.22% | -20 bps | |
| Efficiency Ratio | 87.51% | 90.14% | 90.74% | 84.07% | 84.89% | 85.94% | 85.94% | 103.08% | +1,901 bps | |
| Non-Interest Burden | 2.00% | 2.10% | 2.14% | 2.01% | 1.99% | 2.00% | 2.00% | 2.28% | +28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.46% | -5.04% | -6.49% | -12.10% | -11.99% | -7.62% | -7.05% | 2.83% | +1,494 bps | |
| Loan Growth (YoY) | 2.37% | -2.48% | -6.41% | -7.85% | -8.43% | -4.86% | -3.52% | -1.46% | +640 bps | |
| Deposit Growth (YoY) | -2.81% | -5.05% | -5.73% | -11.07% | -9.75% | -9.38% | -8.91% | 2.16% | +1,323 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 | 1.51% | 1.84% | 1.42% | 2.11% | 0.98% | 0.83% | 0.59% | 0.57% | -154 bps | |
| Allowance / Loans | 1.55% | 1.96% | 2.08% | 1.78% | 1.86% | 1.60% | 1.58% | 0.81% | -97 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 | 11.06% | n/a | n/a |
| Total Risk-Based Capital | 20.40% | 19.61% | 20.45% | 21.24% | 23.00% | 23.61% | 24.83% | 23.95% | +271 bps | |
| Equity / Assets | 9.45% | 9.59% | 9.64% | 10.55% | 10.93% | 10.93% | 11.46% | 11.24% | +69 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 56.26% | 54.81% | 53.81% | 56.14% | 57.08% | 57.54% | 56.99% | 54.15% | -199 bps | |
| Liquid Assets / Assets | 6.10% | 5.25% | 6.47% | 1.12% | 0.93% | 1.11% | 2.64% | 9.33% | +821 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |