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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 ’123.97%Q2 ’123.66%Q2 ’130%-4%

Non-interest income vs. expense

2.96%Q1 ’123.05%Q2 ’123.14%Q2 ’13-14%+3%

Executive Summary

  • Earnings: ROA of 0.29%, up 4 bps year over year; NIM at 3.03%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.31%.
  • Funding: loans stand at 79.64% of deposits as of Q2 2013.

Financial Results

Return on Assets (quarter, annualized)

0.29%+4 bps YoY

Net Interest Margin (quarter, annualized)

3.03%-11 bps YoY

Efficiency Ratio (quarter, annualized)

93.68%+554 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2012Q3 2012Q4 2012Q1 2013Q2 2013YoY ΔTrend
Earnings
Return on Assets0.25%-0.23%0.13%0.19%0.29%+4 bps
Return on Equity2.71%-2.44%1.41%2.03%2.98%+27 bps
Net Interest Margin3.15%3.18%3.11%3.15%3.03%-11 bps
Efficiency Ratio88.14%86.56%89.40%86.82%93.68%+554 bps
Non-Interest Burden2.74%2.71%2.70%2.69%2.82%+9 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 / Loans-0.02%0.05%-0.01%-0.01%-0.31%-29 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