Midland Park, NJ · Cert 26390
FDIC · 12 branches
Q3 2019
Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2019 SOD (annual) · 0.0% share · #84 of 187 inst. · $0.8B of $1861.3B
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 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.58% | 0.94% | 1.04% | 1.05% | 1.01% | 0.84% | 0.84% | 0.87% | -19 bps | |
| Return on Equity | 6.11% | 9.45% | 10.45% | 10.51% | 10.06% | 8.11% | 8.03% | 8.19% | -232 bps | |
| Net Interest Margin | 3.04% | 3.14% | 3.14% | 3.13% | 3.12% | 3.11% | 3.11% | 3.12% | 0 bps | |
| Efficiency Ratio | 64.17% | 66.95% | 66.20% | 65.73% | 65.74% | 66.84% | 65.65% | 65.91% | +18 bps | |
| Non-Interest Burden | 1.82% | 1.99% | 1.96% | 1.93% | 1.93% | 1.96% | 1.92% | 1.93% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.55% | 9.02% | 3.07% | 4.08% | 3.01% | 4.21% | 2.41% | 1.40% | -268 bps | |
| Loan Growth (YoY) | 17.71% | 8.11% | 4.35% | 5.31% | 3.04% | 5.51% | 4.80% | 4.84% | -47 bps | |
| Deposit Growth (YoY) | 15.98% | 10.15% | 9.84% | 6.16% | 2.57% | 1.53% | -1.29% | -1.73% | -789 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.17% | 0.16% | 0.18% | 0.17% | 0.21% | 0.24% | 0.25% | 0.22% | +4 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.01% | -0.20% | -0.14% | -0.11% | -0.01% | -0.02% | -0.02% | +12 bps | |
| Allowance / Loans | 1.23% | 1.19% | 1.16% | 1.08% | 1.08% | 1.07% | 1.11% | 1.09% | +1 bps | |
| Allowance Coverage of NPLs | 7.3x | 7.4x | 6.5x | 6.2x | 5.1x | 4.5x | 4.4x | 5.0x | -1.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.12% | 10.22% | 10.36% | 10.37% | 10.49% | 10.64% | 10.68% | 10.87% | +50 bps | |
| Total Risk-Based Capital | 13.40% | 13.39% | 13.42% | 13.47% | 13.54% | 13.46% | 13.32% | 13.50% | +3 bps | |
| Equity / Assets | 9.92% | 9.99% | 10.03% | 10.11% | 10.27% | 10.45% | 10.62% | 10.92% | +80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.08% | 91.58% | 91.12% | 92.62% | 93.51% | 95.17% | 96.75% | 98.81% | +619 bps | |
| Liquid Assets / Assets | 6.24% | 6.71% | 6.39% | 6.66% | 6.70% | 6.59% | 6.65% | 5.50% | -116 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |