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NJM Bank, FSB

Ewing, NJ · Cert 35057

FDIC · 3 branches

Q3 2014

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2014, the quarter ended September 30, 2014, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

NJM Bank, FSB

Ewing, NJ · Cert 35057

FDIC · 3 branches

Q3 2014

$459.8MAssets
$288.6MLoans
$388.4MDeposits
$69.8MEquity
Loan mix
100%RE $285.3M0%C&I $0.0M0%Consumer $1.4MQ3 2013Q3 2014
Deposit mix
95%Interest-bearing $368.3M5%Noninterest $20.0MQ3 2013Q3 2014

NIM

2.95%Q3 ’122.87%Q3 ’133.05%Q3 ’14+7%+16%

Non-interest income vs. expense

1.45%Q3 ’121.43%Q3 ’133.08%Q3 ’14-2%+131%

Market Position · Trenton, NJ · 2014 SOD (annual) · 2.2% share · #13 of 26 inst. · $0.3B of $14.9B

2.2% Mercer
0.5% Morris
0.4% Atlantic

Executive Summary

  • Earnings: ROA of -1.45%, down 176 bps year over year; NIM at 1.91%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.11%.
  • Funding: loans stand at 74.30% of deposits as of Q3 2014.

Financial Results

Return on Assets (YTD, annualized)

-1.45%-176 bps YoY

Net Interest Margin (YTD, annualized)

1.91%+26 bps YoY

Efficiency Ratio (YTD, annualized)

154.41%+7,412 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets0.31%0.39%0.28%0.26%-1.45%-176 bps
Return on Equity2.71%3.46%2.41%2.21%-11.69%-1,440 bps
Net Interest Margin1.65%1.72%1.90%1.83%1.91%+26 bps
Efficiency Ratio80.29%78.75%77.54%79.40%154.41%+7,412 bps
Non-Interest Burden1.30%1.33%1.46%1.44%2.99%+169 bps
Growth
Asset Growth (YoY)-5.07%-6.77%-7.59%-6.51%-26.68%-2,161 bps
Loan Growth (YoY)-1.89%-1.13%-0.32%-1.06%-4.17%-228 bps
Deposit Growth (YoY)-5.00%-6.99%-8.72%-9.01%-19.73%-1,472 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.15%0.32%0.03%0.04%0.11%-4 bps
Allowance / Loans0.62%0.55%0.55%0.54%0.49%-13 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 Capital29.40%30.74%32.11%32.92%35.69%+629 bps
Equity / Assets11.15%11.17%11.74%12.29%15.17%+402 bps
Liquidity & Funding
Loans / Deposits62.23%64.55%64.76%65.68%74.30%+1,207 bps
Liquid Assets / Assets7.20%6.98%4.02%12.04%35.51%+2,832 bps
CRE / Total Capitaln/an/an/an/an/an/an/a