Palisades Park, NJ · Cert 58525
FDIC
Q3 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2013, the quarter ended September 30, 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.
Palisades Park, NJ · Cert 58525
FDIC
Q3 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 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.59% | 0.55% | 0.93% | 0.97% | 1.05% | 0.82% | 0.99% | 0.86% | -11 bps | |
| Return on Equity | 10.78% | 3.97% | 6.80% | 7.01% | 7.49% | 5.76% | 7.02% | 6.07% | -94 bps | |
| Net Interest Margin | 3.95% | 4.18% | 3.95% | 4.15% | 4.18% | 4.17% | 4.18% | 4.28% | +13 bps | |
| Efficiency Ratio | 54.51% | 60.54% | 54.87% | 54.58% | 53.54% | 63.78% | 59.45% | 65.69% | +1,111 bps | |
| Non-Interest Burden | 1.42% | 2.12% | 1.46% | 1.58% | 1.51% | 2.33% | 2.00% | 2.42% | +85 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 26.99% | 23.45% | 16.59% | 8.12% | 5.35% | 6.69% | 1.77% | 5.06% | -306 bps | |
| Loan Growth (YoY) | 36.84% | 19.71% | 11.72% | 10.83% | 3.62% | 12.99% | 13.23% | 12.42% | +159 bps | |
| Deposit Growth (YoY) | 30.03% | 25.85% | 18.71% | 9.42% | 7.63% | 6.75% | 0.66% | 4.86% | -456 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 | 0.90% | 0.97% | 1.23% | 0.96% | 0.79% | 0.20% | 0.12% | 0.10% | -85 bps | |
| Allowance / Loans | 1.76% | 1.97% | 1.82% | 1.86% | 2.04% | 2.04% | 2.11% | 2.03% | +17 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 | 18.08% | 19.03% | 18.76% | 18.13% | 18.65% | 18.19% | 18.07% | 17.55% | -58 bps | |
| Equity / Assets | 13.99% | 13.80% | 13.37% | 14.39% | 14.31% | 13.98% | 14.10% | 14.56% | +16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.84% | 93.32% | 89.39% | 101.42% | 99.01% | 98.78% | 100.55% | 108.73% | +731 bps | |
| Liquid Assets / Assets | 5.48% | 10.93% | 12.17% | 3.99% | 5.91% | 8.17% | 6.95% | 3.38% | -61 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |