Randolph, NJ · Cert 58213
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.
Randolph, NJ · Cert 58213
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 | 0.31% | -0.52% | -1.06% | -2.75% | 0.02% | -0.08% | 0.05% | 0.12% | +286 bps | |
| Return on Equity | 3.47% | -5.92% | -12.08% | -32.81% | 0.33% | -1.18% | 0.68% | 1.70% | +3,451 bps | |
| Net Interest Margin | 3.86% | 3.93% | 4.02% | 3.98% | 4.06% | 4.16% | 4.21% | 4.20% | +22 bps | |
| Efficiency Ratio | 69.30% | 68.52% | 69.23% | 74.38% | 88.97% | 78.04% | 82.29% | 81.13% | +675 bps | |
| Non-Interest Burden | 2.56% | 2.57% | 2.67% | 2.87% | 3.57% | 3.17% | 3.40% | 3.34% | +48 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.10% | 4.61% | -2.83% | -6.78% | -5.57% | -6.64% | -6.47% | -7.15% | -37 bps | |
| Loan Growth (YoY) | 5.18% | 4.18% | -0.33% | -0.72% | -1.05% | -1.91% | -3.71% | -9.66% | -893 bps | |
| Deposit Growth (YoY) | 7.71% | 4.57% | -3.14% | -5.43% | -3.04% | -4.24% | -4.71% | -6.88% | -145 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 | 1.44% | 1.46% | 3.11% | 3.31% | -0.13% | 2.09% | 1.44% | 1.32% | -199 bps | |
| Allowance / Loans | 1.60% | 2.34% | 2.27% | 2.72% | 2.87% | 2.30% | 2.43% | 2.59% | -13 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 | 11.62% | 11.29% | 10.98% | 9.02% | 9.05% | 9.03% | 9.35% | 10.09% | +108 bps | |
| Equity / Assets | 8.99% | 8.87% | 8.50% | 6.70% | 6.63% | 6.73% | 6.90% | 7.22% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.21% | 92.40% | 91.37% | 93.01% | 92.06% | 94.65% | 92.33% | 90.24% | -278 bps | |
| Liquid Assets / Assets | 7.85% | 4.42% | 6.59% | 6.14% | 7.30% | 5.75% | 5.59% | 9.20% | +306 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |