PackageTrendsPeer
Letter portraitLegal landscape

Saddle River Valley Bank

Saddle River, NJ · Cert 57936

FDIC

Q4 2013

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: Q4 2013, the quarter ended December 31, 2013, 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

Saddle River Valley Bank

Saddle River, NJ · Cert 57936

FDIC

Q4 2013

$259KAssets
n/aLoans
n/aDeposits
$259KEquity
Deposit mix
100%Interest-bearing $00%Noninterest $0Q4 2012Q4 2013

NIM

3.73%Q1 ’1222.74%Q4 ’121.46%Q4 ’13+517%-95%

Non-interest income vs. expense

4.72%Q1 ’1233.62%Q4 ’121096%Q4 ’13+898%+2259%

Executive Summary

  • Earnings: ROA of -138.19%, down 13,361 bps year over year; NIM at 0.97%.

Financial Results

Return on Assets (YTD, annualized)

-138.19%-13,361 bps YoY

Net Interest Margin (YTD, annualized)

0.97%-1,777 bps YoY

Efficiency Ratio (YTD, annualized)

112475%+11,190,462 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2012Q1 2013Q2 2013Q3 2013Q4 2013YoY ΔTrend
Earnings
Return on Assets-4.58%-8.56%-7.59%-147.37%-138.19%-13,361 bps
Return on Equityn/a-9.05%-8.03%-155.78%-146.01%n/a
Net Interest Margin18.74%0.11%0.14%0.11%0.97%-1,777 bps
Efficiency Ratio570%7567%5729%111550%112475%+11,190,462 bps
Non-Interest Burden46.47%8.67%7.80%126.01%1096%+104,951 bps
Growth
Asset Growth (YoY)-91.17%-90.47%-89.99%-90.08%-97.56%-639 bps
Loan Growth (YoY)-99.21%-99.19%-99.19%-100.00%-100.00%-79 bps
Deposit Growth (YoY)-99.53%-99.47%-99.44%-100.00%-100.00%-47 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%n/an/an/a
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%n/an/a
Allowance / Loans0.00%0.00%0.00%n/an/an/a
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 Capital404%404%400%491%480%+7,531 bps
Equity / Assets94.38%94.77%94.11%99.64%100.00%+562 bps
Liquidity & Funding
Loans / Deposits87.00%87.00%87.00%n/an/an/a
Liquid Assets / Assets77.75%89.48%91.73%0.00%0.00%-7,775 bps
CRE / Total Capitaln/an/an/an/an/an/an/a