Monmouth Junction, NJ · Cert 35055
FDIC
Q2 2013
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Monmouth Junction, NJ · Cert 35055
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 | -0.47% | -0.93% | -0.24% | -2.65% | -2.67% | -3.24% | -0.38% | -1.22% | +144 bps | |
| Return on Equity | -6.06% | -12.98% | -4.27% | -40.58% | -36.75% | -42.01% | -1.84% | -5.34% | +3,525 bps | |
| Net Interest Margin | 1.75% | 1.26% | 0.95% | 0.71% | 0.90% | 0.66% | 0.77% | 1.07% | +36 bps | |
| Efficiency Ratio | 103.54% | 104.57% | 161.55% | 377% | 441% | 547% | 132.50% | 202% | -17,538 bps | |
| Non-Interest Burden | 2.45% | 1.70% | 3.11% | 6.25% | 10.37% | 11.14% | 2.86% | 8.34% | +209 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.48% | 56.43% | 64.71% | -42.95% | -51.33% | -69.31% | -94.92% | -92.70% | -4,974 bps | |
| Loan Growth (YoY) | 42.94% | 139.58% | 91.39% | -78.04% | -87.59% | -97.65% | -97.94% | -99.99% | -2,195 bps | |
| Deposit Growth (YoY) | 14.13% | 1.85% | 12.52% | -31.83% | -39.03% | -38.94% | -100.00% | -100.00% | -6,817 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 | 0.05% | 0.25% | 0.00% | 0.76% | 0.75% | 1.58% | 0.00% | 0.00% | -76 bps | |
| Allowance / Loans | 0.55% | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 14.74% | 12.55% | 21.31% | 39.75% | 59.70% | 87.52% | 196.74% | 125.69% | +8,594 bps | |
| Equity / Assets | 7.32% | 5.73% | 5.36% | 11.96% | 12.30% | 11.81% | 71.99% | 54.52% | +4,256 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.10% | 170.85% | 125.36% | 25.58% | 18.13% | 6.57% | n/a | n/a | n/a | |
| Liquid Assets / Assets | 0.47% | 0.63% | 32.77% | 59.03% | 65.81% | 78.21% | 0.00% | 0.00% | -5,903 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |