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Bpabank, National Association

Newark, NJ · Cert 35280

FDIC

Q3 2010

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 2010, the quarter ended September 30, 2010, 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

Bpabank, National Association

Newark, NJ · Cert 35280

FDIC

Q3 2010

$708.0MAssets
$506.3MLoans
$629.3MDeposits
$68.3MEquity
Loan mix
87%RE $376.6M13%C&I $56.6M0%Consumer $0.1MQ3 2009Q3 2010
Deposit mix
81%Interest-bearing $508.3M19%Noninterest $120.9MQ3 2009Q3 2010

NIM

5.65%Q3 ’084.64%Q3 ’094.46%Q3 ’10-14%+18%

Non-interest income vs. expense

4.19%Q3 ’084.00%Q3 ’096.85%Q3 ’10-4%+93%

Executive Summary

  • Earnings: ROA of -3.21%, down 135 bps year over year; NIM at 3.40%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 2.28%.
  • Funding: loans stand at 80.45% of deposits as of Q3 2010.

Financial Results

Return on Assets (YTD, annualized)

-3.21%-135 bps YoY

Net Interest Margin (YTD, annualized)

3.40%+53 bps YoY

Efficiency Ratio (YTD, annualized)

154.08%+5,082 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2009Q4 2009Q1 2010Q2 2010Q3 2010YoY ΔTrend
Earnings
Return on Assets-1.86%-1.63%-1.14%-0.92%-3.21%-135 bps
Return on Equity-19.33%-17.10%-11.74%-9.31%-32.75%-1,342 bps
Net Interest Margin2.87%2.98%3.21%3.47%3.40%+53 bps
Efficiency Ratio103.26%102.79%95.37%103.72%154.08%+5,082 bps
Non-Interest Burden3.00%3.10%3.01%3.65%5.81%+280 bps
Growth
Asset Growth (YoY)-2.38%3.20%-10.18%-12.39%-12.35%-997 bps
Loan Growth (YoY)-3.57%-8.68%-15.18%-16.87%-18.54%-1,497 bps
Deposit Growth (YoY)-1.97%5.89%-7.57%-9.49%-9.62%-765 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.11%1.22%2.14%1.24%2.28%+117 bps
Allowance / Loans2.59%2.71%2.89%2.96%2.44%-14 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 Capital15.44%15.73%16.65%17.14%17.07%+163 bps
Equity / Assets9.60%9.27%10.18%10.16%9.65%+5 bps
Liquidity & Funding
Loans / Deposits89.26%84.18%84.69%83.56%80.45%-881 bps
Liquid Assets / Assets10.80%17.06%12.24%17.32%23.40%+1,261 bps
CRE / Total Capitaln/an/an/an/an/an/an/a