South Brunswick Township, NJ · Cert 58702
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.
South Brunswick Township, NJ · Cert 58702
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 | 0.11% | 0.27% | 0.22% | 0.25% | 0.28% | 0.27% | 0.13% | 0.08% | -17 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 2.44% | 1.22% | 0.67% | n/a | |
| Net Interest Margin | n/a | 2.85% | 2.78% | 2.60% | 2.60% | 2.75% | 2.84% | 2.91% | +31 bps | |
| Efficiency Ratio | n/a | 82.88% | 83.41% | 84.37% | 83.92% | 84.43% | 89.24% | 88.64% | +427 bps | |
| Non-Interest Burden | n/a | 2.26% | 2.21% | 2.09% | 2.08% | 2.28% | 2.50% | 2.56% | +47 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.27% | 4.22% | 6.30% | 14.78% | 13.58% | 5.53% | -2.35% | -12.63% | -2,741 bps | |
| Loan Growth (YoY) | 26.71% | 7.43% | 16.81% | 31.02% | 23.70% | 27.90% | 13.56% | -3.32% | -3,434 bps | |
| Deposit Growth (YoY) | 11.03% | 3.35% | -0.31% | 8.61% | 9.97% | 3.80% | -1.03% | -12.66% | -2,126 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 | n/a | 0.31% | 0.14% | 0.08% | 0.06% | 0.10% | 0.05% | 0.30% | +22 bps | |
| Allowance / Loans | n/a | 1.02% | 1.10% | 1.09% | 1.10% | 1.07% | 1.19% | 1.17% | +9 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 | n/a | 21.89% | 21.43% | 20.11% | 20.20% | 21.08% | 21.50% | 22.54% | +243 bps | |
| Equity / Assets | n/a | 11.50% | 11.10% | 10.63% | 10.51% | 11.26% | 11.42% | 12.06% | +143 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 52.33% | 50.74% | 55.08% | 59.79% | 58.86% | 62.53% | 63.20% | 66.18% | +639 bps | |
| Liquid Assets / Assets | 0.00% | 39.28% | 40.32% | 36.54% | 38.70% | 35.07% | 30.75% | 29.78% | -675 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |