Paramus, NJ · Cert 13074
FDIC · 135 branches
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 2015, 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.
Paramus, NJ · Cert 13074
FDIC · 135 branches
Q3 2015
Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2015 SOD (annual) · 1.1% share · #16 of 219 inst. · $16.3B of $1502.0B
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 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45% | 0.43% | 0.41% | 0.40% | 0.40% | 0.05%1 | 0.21%1 | 0.11%1 | -29 bps | |
| Return on Equity | 4.15% | 3.71% | 3.55% | 3.43% | 3.42% | 0.39% | 1.73% | 0.88% | -254 bps | |
| Net Interest Margin | 1.55% | 1.35% | 1.29% | 1.24% | 1.17% | 0.81% | 0.71% | 0.64% | -60 bps | |
| Efficiency Ratio | 50.19% | 60.50% | 61.44% | 63.19% | 66.66% | 100.28% | 108.54% | 126.28% | +6,309 bps | |
| Non-Interest Burden | 0.76% | 0.81% | 0.79% | 0.77% | 0.77% | 0.81% | 0.77% | 0.81% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.91% | -5.10% | -5.04% | -5.18% | -5.29% | -5.50% | -6.05% | -5.54% | -36 bps | |
| Loan Growth (YoY) | -10.92% | -9.08% | -7.98% | -9.25% | -10.55% | -12.35% | -14.55% | -14.12% | -487 bps | |
| Deposit Growth (YoY) | -8.52% | -9.01% | -9.26% | -9.49% | -9.70% | -10.17% | -11.31% | -10.48% | -100 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 | 0.26% | 0.17% | 0.18% | 0.18% | 0.17% | 0.09% | 0.10% | 0.10% | -8 bps | |
| Allowance / Loans | 1.14% | 1.11% | 1.10% | 1.08% | 1.09% | 1.10% | 1.13% | 1.15% | +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 | 11.83% | 12.14% | 12.22% | n/a | |
| Total Risk-Based Capital | 25.31% | 26.08% | 26.88% | 27.93% | 28.75% | 31.36% | 33.48% | 34.48% | +655 bps | |
| Equity / Assets | 11.36% | 11.58% | 11.82% | 12.00% | 12.11% | 12.25% | 12.62% | 12.64% | +64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 112.16% | 112.54% | 112.74% | 111.35% | 111.11% | 109.81% | 108.61% | 106.83% | -452 bps | |
| Liquid Assets / Assets | 15.54% | 17.32% | 18.21% | 18.93% | 20.40% | 20.17% | 18.61% | 20.07% | +114 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |