Monmouth Junction, NJ · Cert 35055
FDIC
Q2 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.64% | -2.09% | -0.24% | -5.77% | -3.46% | -7.48% | -0.38% | -6.27% | -50 bps | |
| Return on Equity | -21.71% | -32.70% | -4.27% | -80.87% | -28.56% | -62.00% | -1.84% | -9.51% | +7,136 bps | |
| Net Interest Margin | 1.71% | 1.44% | 0.95% | 0.17% | -0.23% | -0.29% | 0.77% | 0.46% | +29 bps | |
| Efficiency Ratio | 123.18% | 107.02% | 161.55% | 378% | 41067% | 3222% | 132.50% | 1071% | +69,283 bps | |
| Non-Interest Burden | 4.49% | 1.78% | 3.11% | 8.41% | 5.11% | 10.82% | 2.86% | 10.42% | +200 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 | 0.09% | 0.93% | 0.00% | 1.50% | 0.00% | 0.00% | 0.00% | 0.00% | -150 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 |