Saddle River, NJ · Cert 57936
FDIC
Q4 2013
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Saddle River, NJ · Cert 57936
FDIC
Q4 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 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.34% | -1.61% | -4.14% | -4.58% | -8.56% | -7.59% | -147.37% | -138.19% | -13,361 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | -9.05% | -8.03% | -155.78% | -146.01% | n/a | |
| Net Interest Margin | 3.04% | 3.34% | 6.77% | 18.74% | 0.11% | 0.14% | 0.11% | 0.97% | -1,777 bps | |
| Efficiency Ratio | 152.06% | 136.76% | 440% | 570% | 7567% | 5729% | 111550% | 112475% | +11,190,462 bps | |
| Non-Interest Burden | 4.65% | 4.59% | 14.87% | 46.47% | 8.67% | 7.80% | 126.01% | 1096% | +104,951 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.19% | -7.42% | -90.62% | -91.17% | -90.47% | -89.99% | -90.08% | -97.56% | -639 bps | |
| Loan Growth (YoY) | 7.91% | -2.03% | -99.21% | -99.21% | -99.19% | -99.19% | -100.00% | -100.00% | -79 bps | |
| Deposit Growth (YoY) | 31.66% | -5.23% | -99.52% | -99.53% | -99.47% | -99.44% | -100.00% | -100.00% | -47 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | n/a | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | |
| Allowance / Loans | 1.28% | 1.35% | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | n/a | |
| 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 | 19.44% | 19.91% | 485% | 404% | 404% | 400% | 491% | 480% | +7,531 bps | |
| Equity / Assets | 11.93% | 12.58% | 93.41% | 94.38% | 94.77% | 94.11% | 99.64% | 100.00% | +562 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.03% | 60.37% | 87.00% | 87.00% | 87.00% | 87.00% | n/a | n/a | n/a | |
| Liquid Assets / Assets | 8.76% | 9.62% | 0.00% | 77.75% | 89.48% | 91.73% | 0.00% | 0.00% | -7,775 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |