PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 $8.7MQ1 2001Q4 2002
Deposit mix
83%Interest-bearing $344.4M17%Noninterest $71.5MQ1 2001Q4 2002

Executive Summary

  • Earnings: ROA of 1.56%, up 12 bps year over year; NIM at 4.21%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.54%.
  • Funding: loans stand at 72.99% of deposits as of Q4 2002.

Return on Assets (quarter, annualized)

1.56%+12 bps YoY

Net Interest Margin (quarter, annualized)

4.21%+3 bps YoY

Efficiency Ratio (quarter, annualized)

51.09%-505 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

7.46%Q1 ’016.59%Q4 ’015.88%Q4 ’02+5%+1%

Non-interest income vs. expense

2.91%Q1 ’012.84%Q4 ’012.85%Q4 ’02-4%-15%

Discrete quarter, annualized.

MetricQ1 2001Q2 2001Q3 2001Q4 2001Q1 2002Q2 2002Q3 2002Q4 2002YoY ΔTrend
Earnings
Return on Assets1.29%1.08%1.24%1.45%1.54%1.66%1.68%1.56%+12 bps
Return on Equityn/a11.51%12.65%14.16%14.66%15.15%15.26%14.53%+37 bps
Net Interest Margin3.99%3.78%3.91%4.18%4.49%4.60%4.55%4.21%+3 bps
Efficiency Ratio59.92%59.32%60.56%56.14%51.34%50.88%52.06%51.09%-505 bps
Non-Interest Burden2.04%1.87%2.07%1.96%2.08%2.02%1.77%1.67%-29 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 / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%0.06%0.14%0.21%0.01%0.08%0.14%0.54%+33 bps
Allowance / Loans1.23%1.12%1.12%1.10%1.16%1.19%1.15%1.03%-7 bps
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 Capital14.89%11.24%11.83%12.26%12.73%13.31%13.00%13.03%+78 bps
Equity / Assets9.44%9.41%10.12%10.31%10.72%11.22%10.83%10.72%+41 bps
Liquidity & Funding
Loans / Deposits86.44%73.64%76.32%79.13%78.73%78.40%73.98%72.99%-614 bps
Liquid Assets / Assets0.27%0.16%0.13%0.13%0.11%0.11%0.16%0.21%+8 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a