Woodstown, NJ · Cert 6514
FDIC
Q4 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2002, the quarter ended December 31, 2002, 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.
Woodstown, NJ · Cert 6514
FDIC
Q4 2002
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 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.29% | 1.12% | 1.20% | 1.29% | 1.54% | 1.60% | 1.62% | 1.60% | +31 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 14.66% | 14.88% | 15.02% | 14.89% | n/a | |
| Net Interest Margin | 3.99% | 3.59% | 3.02% | 3.34% | 4.49% | 4.59% | 4.52% | 4.30% | +96 bps | |
| Efficiency Ratio | 59.92% | 59.60% | 60.01% | 58.80% | 51.34% | 51.11% | 51.43% | 51.34% | -746 bps | |
| Non-Interest Burden | 2.04% | 1.80% | 1.55% | 1.67% | 2.08% | 2.07% | 1.94% | 1.81% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.57% | 69.13% | 63.45% | 59.22% | 53.13% | -8.13% | -2.80% | 2.12% | -5,710 bps | |
| Loan Growth (YoY) | 9.09% | 50.31% | 49.42% | 44.47% | 37.99% | -6.10% | -7.00% | -6.53% | -5,100 bps | |
| Deposit Growth (YoY) | 2.85% | 70.62% | 70.19% | 60.23% | 51.49% | -11.79% | -4.06% | 1.33% | -5,890 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 | 0.01% | 0.04% | 0.07% | 0.11% | 0.01% | 0.05% | 0.08% | 0.20% | +9 bps | |
| Allowance / Loans | 1.23% | 1.12% | 1.12% | 1.10% | 1.16% | 1.19% | 1.15% | 1.03% | -7 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 | 14.89% | 11.24% | 11.83% | 12.26% | 12.73% | 13.31% | 13.00% | 13.03% | +78 bps | |
| Equity / Assets | 9.44% | 9.41% | 10.12% | 10.31% | 10.72% | 11.22% | 10.83% | 10.72% | +41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.44% | 73.64% | 76.32% | 79.13% | 78.73% | 78.40% | 73.98% | 72.99% | -614 bps | |
| Liquid Assets / Assets | 0.27% | 0.16% | 0.13% | 0.13% | 0.11% | 0.11% | 0.16% | 0.21% | +8 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |