Roebling, NJ · Cert 31419
FDIC
Q2 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 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.24% | 0.24% | 0.01% | 0.13% | 0.01% | 0.04% | 0.19% | 0.24% | +11 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 2.03% | 2.50% | n/a | |
| Net Interest Margin | n/a | n/a | 3.15% | 3.17% | 3.19% | 3.13% | 3.15% | 3.16% | -1 bps | |
| Efficiency Ratio | n/a | n/a | 100.51% | 93.87% | 91.29% | 90.76% | 86.82% | 90.13% | -374 bps | |
| Non-Interest Burden | n/a | n/a | 3.17% | 2.97% | 2.90% | 2.82% | 2.69% | 2.81% | -16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.73% | -0.50% | -1.44% | -0.77% | -1.27% | -2.03% | -4.94% | -9.17% | -840 bps | |
| Loan Growth (YoY) | -2.99% | -1.95% | -1.24% | 0.62% | -1.18% | -3.07% | -4.27% | -6.49% | -711 bps | |
| Deposit Growth (YoY) | 0.44% | -2.33% | -4.57% | 0.65% | -7.18% | -1.02% | 0.76% | -6.01% | -666 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 | n/a | 0.31% | 0.15% | 0.12% | 0.09% | -0.01% | -0.16% | -30 bps | |
| Allowance / Loans | n/a | n/a | 0.90% | 0.90% | 1.24% | 1.25% | 1.26% | 1.18% | +28 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 | n/a | 15.92% | 16.11% | 16.35% | 16.40% | 16.82% | 17.53% | +142 bps | |
| Equity / Assets | n/a | n/a | 9.14% | 9.24% | 9.33% | 9.31% | 9.63% | 9.80% | +56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.88% | 80.45% | 82.39% | 80.05% | 81.85% | 78.79% | 78.28% | 79.64% | -41 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 3.38% | 3.36% | 1.82% | 0.40% | 0.54% | 1.50% | -186 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |