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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| 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% | 0.40% | 0.44% | 2.86% | 0.33% | 0.34% | 0.42% | 0.63% | -223 bps | |
| Return on Equity | 1.79% | 2.74% | 3.01% | 18.92% | 2.02% | 2.04% | 2.55% | 3.76% | -1,517 bps | |
| Net Interest Margin | 2.83% | 2.86% | 2.86% | 2.89% | 2.86% | 2.92% | 3.02% | 3.12% | +23 bps | |
| Efficiency Ratio | 90.60% | 90.61% | 89.15% | 87.34% | 84.99% | 85.40% | 81.98% | 84.02% | -332 bps | |
| Non-Interest Burden | 2.46% | 2.49% | 2.44% | 2.37% | 2.26% | 2.33% | 2.29% | 2.44% | +7 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% | 0.06% | 0.04% | 0.05% | -0.04% | -0.03% | 0.00% | 0.00% | -5 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 |