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Woodstown National Bank and Trust Company, The

Woodstown, NJ · Cert 6514

FDIC

Q4 2002

$507.7MAssets
$303.6MLoans
$415.9MDeposits
$54.4MEquity
Loan mix
71%RE $133.7M24%C&I $45.0M5%Consumer $8.7MQ4 2001Q4 2002
Deposit mix
83%Interest-bearing $344.4M17%Noninterest $71.5MQ4 2001Q4 2002

NIM

7.46%Q1 ’015.80%Q4 ’015.96%Q4 ’02-16%+29%

Non-interest income vs. expense

2.91%Q1 ’012.38%Q4 ’012.82%Q4 ’02-18%+9%

Executive Summary

  • Earnings: ROA of 1.60%, up 31 bps year over year; NIM at 4.30%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.20%.
  • Funding: loans stand at 72.99% of deposits as of Q4 2002.

Financial Results

Return on Assets (YTD, annualized)

1.60%+31 bps YoY

Net Interest Margin (YTD, annualized)

4.30%+96 bps YoY

Efficiency Ratio (YTD, annualized)

51.34%-746 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2001Q1 2002Q2 2002Q3 2002Q4 2002YoY ΔTrend
Earnings
Return on Assets1.29%1.54%1.60%1.62%1.60%+31 bps
Return on Equityn/a14.66%14.88%15.02%14.89%n/a
Net Interest Margin3.34%4.49%4.59%4.52%4.30%+96 bps
Efficiency Ratio58.80%51.34%51.11%51.43%51.34%-746 bps
Non-Interest Burden1.67%2.08%2.07%1.94%1.81%+14 bps
Growth
Asset Growth (YoY)59.22%53.13%-8.13%-2.80%2.12%-5,710 bps
Loan Growth (YoY)44.47%37.99%-6.10%-7.00%-6.53%-5,100 bps
Deposit Growth (YoY)60.23%51.49%-11.79%-4.06%1.33%-5,890 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.11%0.01%0.05%0.08%0.20%+9 bps
Allowance / Loans1.10%1.16%1.19%1.15%1.03%-7 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital12.26%12.73%13.31%13.00%13.03%+78 bps
Equity / Assets10.31%10.72%11.22%10.83%10.72%+41 bps
Liquidity & Funding
Loans / Deposits79.13%78.73%78.40%73.98%72.99%-614 bps
Liquid Assets / Assets0.13%0.11%0.11%0.16%0.21%+8 bps
CRE / Total Capitaln/an/an/an/an/an/an/a