PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

National Bank of Sussex County, The

Branchville, NJ · Cert 6315

FDIC

Q1 2001

$329.8MAssets
$156.6MLoans
$286.6MDeposits
$23.7MEquity
Loan mix
92%RE $98.9M8%C&I $8.7M0%Consumer $0.5MQ2 1999Q1 2001
Deposit mix
80%Interest-bearing $230.2M20%Noninterest $56.4MQ2 1999Q1 2001

Executive Summary

  • Earnings: ROA of 1.29%, down 9 bps year over year; NIM at 3.71%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.18%.
  • Funding: loans stand at 54.63% of deposits as of Q1 2001.

Return on Assets (quarter, annualized)

1.29%-9 bps YoY

Net Interest Margin (quarter, annualized)

3.71%
n/a

Efficiency Ratio (quarter, annualized)

58.88%
n/a

Tier 1 Leverage Ratio

n/a
n/a

NIM

Non-interest income vs. expense

Discrete quarter, annualized.

MetricQ2 1999Q3 1999Q4 1999Q1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets0.82%0.51%0.63%1.38%1.23%1.24%1.32%1.29%-9 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a3.71%n/an/a
Efficiency Ration/an/an/an/an/an/an/a58.88%n/an/a
Non-Interest Burdenn/an/an/an/an/an/an/a1.80%n/an/a
Growth
Asset Growth (YoY)7.96%8.42%7.46%7.19%8.08%9.34%15.56%15.19%+800 bps
Loan Growth (YoY)4.46%2.90%3.19%2.01%2.36%4.34%6.71%13.74%+1,173 bps
Deposit Growth (YoY)10.82%10.94%8.00%9.08%10.21%10.96%14.48%14.72%+565 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a-0.18%n/an/a
Allowance / Loansn/an/an/an/an/an/an/a2.70%n/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/a13.87%n/an/a
Equity / Assetsn/an/an/an/an/an/an/a7.20%n/an/a
Liquidity & Funding
Loans / Deposits58.47%57.89%57.58%55.09%54.30%54.44%53.67%54.63%-47 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%8.11%+811 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a