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Roebling Bank

Roebling, NJ · Cert 31419

FDIC

Q2 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: Q2 2013, the quarter ended June 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 2026-10-11

Roebling Bank

Roebling, NJ · Cert 31419

FDIC

Q2 2013

$148.6MAssets
$103.0MLoans
$129.3MDeposits
$14.6MEquity
Loan mix
100%RE $94.6M0%C&I $0.3M0%Consumer $0.1MQ2 2012Q2 2013
Deposit mix
77%Interest-bearing $100.1M23%Noninterest $29.2MQ2 2012Q2 2013

NIM

4.04%Q1 ’124.03%Q2 ’123.82%Q2 ’13+1%0%

Non-interest income vs. expense

2.96%Q1 ’123.03%Q2 ’123.13%Q2 ’13-6%-5%

Executive Summary

  • Earnings: ROA of 0.24%, up 11 bps year over year; NIM at 3.16%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.16%.
  • Funding: loans stand at 79.64% of deposits as of Q2 2013.

Financial Results

Return on Assets (YTD, annualized)

0.24%+11 bps YoY

Net Interest Margin (YTD, annualized)

3.16%-1 bps YoY

Efficiency Ratio (YTD, annualized)

90.13%-374 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2012Q3 2012Q4 2012Q1 2013Q2 2013YoY ΔTrend
Earnings
Return on Assets0.13%0.01%0.04%0.19%0.24%+11 bps
Return on Equityn/an/an/a2.03%2.50%n/a
Net Interest Margin3.17%3.19%3.13%3.15%3.16%-1 bps
Efficiency Ratio93.87%91.29%90.76%86.82%90.13%-374 bps
Non-Interest Burden2.97%2.90%2.82%2.69%2.81%-16 bps
Growth
Asset Growth (YoY)-0.77%-1.27%-2.03%-4.94%-9.17%-840 bps
Loan Growth (YoY)0.62%-1.18%-3.07%-4.27%-6.49%-711 bps
Deposit Growth (YoY)0.65%-7.18%-1.02%0.76%-6.01%-666 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.15%0.12%0.09%-0.01%-0.16%-30 bps
Allowance / Loans0.90%1.24%1.25%1.26%1.18%+28 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 Capital16.11%16.35%16.40%16.82%17.53%+142 bps
Equity / Assets9.24%9.33%9.31%9.63%9.80%+56 bps
Liquidity & Funding
Loans / Deposits80.05%81.85%78.79%78.28%79.64%-41 bps
Liquid Assets / Assets3.36%1.82%0.40%0.54%1.50%-186 bps
CRE / Total Capitaln/an/an/an/an/an/an/a