Vineland, NJ · Cert 26240
FDIC · 31 branches
Q4 2017
Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2017 SOD (annual) · 0.0% share · #97 of 210 inst. · $0.6B of $1816.5B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.26% | 0.54% | 0.53% | 10.02% | 0.33% | 0.34% | 0.60% | 1.28% | -874 bps | |
| Return on Equity | 1.79% | 3.68% | 3.55% | 63.09% | 2.02% | 2.07% | 3.60% | 7.35% | -5,574 bps | |
| Net Interest Margin | 2.83% | 2.90% | 2.86% | 2.92% | 2.86% | 2.97% | 3.10% | 3.19% | +27 bps | |
| Efficiency Ratio | 90.60% | 90.61% | 86.24% | 82.00% | 84.99% | 85.81% | 75.27% | 90.11% | +811 bps | |
| Non-Interest Burden | 2.46% | 2.52% | 2.35% | 2.21% | 2.26% | 2.39% | 2.13% | 2.72% | +51 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.91% | -8.08% | -4.36% | 2.42% | 4.09% | 1.51% | -0.80% | -5.15% | -758 bps | |
| Loan Growth (YoY) | 5.63% | -1.30% | 2.61% | 3.97% | 2.06% | 1.54% | 1.34% | -2.15% | -612 bps | |
| Deposit Growth (YoY) | -14.34% | -10.28% | -5.60% | -0.28% | 3.17% | 0.30% | -2.84% | -6.06% | -578 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.25% | 0.28% | 0.27% | 0.23% | +23 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.10% | 0.02% | 0.07% | -0.04% | -0.02% | 0.06% | -0.02% | -9 bps | |
| Allowance / Loans | 1.14% | 1.02% | 1.01% | 0.97% | 0.98% | 0.94% | 0.92% | 0.89% | -7 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 3.9x | 3.4x | 3.4x | 3.9x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.16% | 13.31% | 13.42% | 14.50% | 13.43% | 13.64% | 14.16% | 14.55% | +5 bps | |
| Total Risk-Based Capital | 18.86% | 19.09% | 19.34% | 19.85% | 18.82% | 19.27% | 19.59% | 19.84% | 0 bps | |
| Equity / Assets | 14.70% | 14.78% | 14.91% | 16.81% | 16.09% | 16.49% | 17.05% | 17.68% | +86 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.08% | 89.85% | 89.84% | 91.04% | 90.10% | 90.97% | 93.70% | 94.83% | +379 bps | |
| Liquid Assets / Assets | 5.06% | 6.48% | 5.90% | 5.08% | 4.81% | 4.78% | 3.39% | 3.17% | -191 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |