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Capital Bank of New Jersey

Vineland, NJ · Cert 58464

FDIC · 4 branches

Q4 2018

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 2018, the quarter ended December 31, 2018, 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

Capital Bank of New Jersey

Vineland, NJ · Cert 58464

FDIC · 4 branches

Q4 2018

$513.5MAssets
$319.7MLoans
$462.4MDeposits
$48.7MEquity
Loan mix
64%RE $148.6M36%C&I $82.2M0%Consumer $0.6MQ4 2017Q4 2018
Deposit mix
71%Interest-bearing $330.5M29%Noninterest $131.9MQ4 2017Q4 2018

NIM

3.38%Q4 ’163.53%Q4 ’173.66%Q4 ’18+4%0%

Non-interest income vs. expense

1.96%Q4 ’162.03%Q4 ’172.01%Q4 ’18-1%-1%

Market Position · Vineland-Bridgeton, NJ · 2018 SOD (annual) · 9.3% share · #6 of 11 inst. · $0.2B of $2.6B

9.3% Cumberland
1.5% Gloucester
1.4% Atlantic

Executive Summary

  • Earnings: ROA of 1.40%, up 41 bps year over year; NIM at 3.26%.
  • Asset quality: problem loans at 0.00% of loans (-3 bps YoY), with net recoveries of 0.20%.
  • Capital: tier 1 leverage ratio of 9.48%, up 46 bps from a year ago.
  • Funding: loans stand at 69.14% of deposits as of Q4 2018.

Financial Results

Return on Assets (YTD, annualized)

1.40%+41 bps YoY

Net Interest Margin (YTD, annualized)

3.26%0 bps YoY

Efficiency Ratio (YTD, annualized)

56.36%-39 bps YoY

Tier 1 Leverage Ratio

9.48%+46 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2017Q1 2018Q2 2018Q3 2018Q4 2018YoY ΔTrend
Earnings
Return on Assets0.99%1.21%1.26%1.45%1.40%+41 bps
Return on Equity10.97%13.28%13.82%15.79%15.18%+421 bps
Net Interest Margin3.27%3.46%3.43%3.40%3.26%0 bps
Efficiency Ratio56.75%57.87%57.01%55.65%56.36%-39 bps
Non-Interest Burden1.72%1.90%1.83%1.74%1.71%-1 bps
Growth
Asset Growth (YoY)6.70%1.21%3.93%1.15%8.50%+180 bps
Loan Growth (YoY)11.20%13.04%12.71%4.05%3.50%-770 bps
Deposit Growth (YoY)8.34%2.71%1.07%0.72%8.05%-29 bps
Asset Quality
Nonperforming Loans / Loans0.03%0.03%0.01%0.01%0.00%-3 bps
Net Charge-Offs / Loans-0.04%-0.05%0.00%-0.26%-0.20%-15 bps
Allowance / Loans1.61%1.62%1.58%1.65%1.62%+1 bps
Allowance Coverage of NPLs58.6x61.0x157.3x156.8xn/an/a
Capital
Tier 1 Leverage Ratio9.02%9.31%9.50%9.68%9.48%+46 bps
Total Risk-Based Capital13.07%12.98%13.14%14.04%14.31%+124 bps
Equity / Assets9.17%9.02%9.23%9.31%9.49%+32 bps
Liquidity & Funding
Loans / Deposits72.19%76.66%79.40%70.24%69.14%-304 bps
Liquid Assets / Assets7.58%6.94%5.56%4.46%3.52%-405 bps
CRE / Total Capitaln/an/an/an/an/an/an/a