Mount Laurel, NJ · Cert 33211
FDIC
Q2 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2010, the quarter ended June 30, 2010, 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.
Mount Laurel, NJ · Cert 33211
FDIC
Q2 2010
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 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.03% | -4.04% | -0.35% | -5.06% | -3.52% | -2.52% | -0.94% | -1.05% | +401 bps | |
| Return on Equity | -0.25% | -35.36% | -4.24% | -67.65% | -49.59% | -36.36% | -15.35% | -17.21% | +5,043 bps | |
| Net Interest Margin | 3.55% | 3.33% | 2.70% | 2.74% | 2.95% | 3.01% | 3.37% | 3.36% | +62 bps | |
| Efficiency Ratio | 95.08% | 97.66% | 115.88% | 123.22% | 118.35% | 114.91% | 107.28% | 109.73% | -1,349 bps | |
| Non-Interest Burden | 3.45% | 6.42% | 3.26% | 3.50% | 3.61% | 3.59% | 3.73% | 3.80% | +30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.52% | -7.74% | -0.24% | 0.08% | -1.24% | -2.39% | -6.11% | -6.83% | -692 bps | |
| Loan Growth (YoY) | -3.46% | -2.12% | -2.91% | -2.82% | -1.69% | -1.68% | -2.17% | -5.53% | -271 bps | |
| Deposit Growth (YoY) | -11.47% | -5.99% | 0.12% | 3.13% | 6.47% | 0.50% | -3.64% | -6.79% | -992 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 | 0.17% | 0.15% | 0.20% | 1.54% | 1.49% | 1.33% | 1.66% | 1.83% | +29 bps | |
| Allowance / Loans | 1.00% | 2.79% | 2.77% | 3.86% | 3.57% | 3.30% | 3.12% | 2.97% | -89 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 | 11.76% | 10.52% | 10.44% | 8.25% | 8.41% | 8.64% | 8.44% | 8.37% | +12 bps | |
| Equity / Assets | 12.30% | 8.46% | 8.14% | 5.83% | 5.93% | 6.22% | 6.03% | 6.03% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.68% | 92.80% | 88.11% | 87.53% | 86.50% | 90.79% | 89.45% | 88.72% | +119 bps | |
| Liquid Assets / Assets | 5.31% | 5.26% | 4.53% | 3.71% | 3.09% | 2.49% | 2.02% | 1.78% | -194 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |