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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.40% | 0.40% | 0.05%1 | 0.21%1 | 0.11%1 | -29 bps | |
| Return on Equity | 3.43% | 3.42% | 0.39% | 1.73% | 0.88% | -254 bps | |
| Net Interest Margin | 1.24% | 1.17% | 0.81% | 0.71% | 0.64% | -60 bps | |
| Efficiency Ratio | 63.19% | 66.66% | 100.28% | 108.54% | 126.28% | +6,309 bps | |
| Non-Interest Burden | 0.77% | 0.77% | 0.81% | 0.77% | 0.81% | +3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.18% | -5.29% | -5.50% | -6.05% | -5.54% | -36 bps | |
| Loan Growth (YoY) | -9.25% | -10.55% | -12.35% | -14.55% | -14.12% | -487 bps | |
| Deposit Growth (YoY) | -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 bps | |
| Net Charge-Offs / Loans | 0.18% | 0.17% | 0.09% | 0.10% | 0.10% | -8 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | 11.83% | 12.14% | 12.22% | n/a | |
| Total Risk-Based Capital | 27.93% | 28.75% | 31.36% | 33.48% | 34.48% | +655 bps | |
| Equity / Assets | 12.00% | 12.11% | 12.25% | 12.62% | 12.64% | +64 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 111.35% | 111.11% | 109.81% | 108.61% | 106.83% | -452 bps | |
| Liquid Assets / Assets | 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 |