Princeton, NJ · Cert 27041
FDIC · 1 branch
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.
Princeton, NJ · Cert 27041
FDIC · 1 branch
Q3 2015
Market Position · Trenton, NJ · 2015 SOD (annual) · 2.1% share · #13 of 25 inst. · $0.3B of $15.0B
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 | 0.19% | 0.04% | 0.06% | 0.00% | 0.02% | 0.13%1 | 3.69%1 | 2.21%1 | +221 bps | |
| Return on Equity | 2.10% | 0.46% | 0.73% | -0.02% | 0.17% | 1.35% | 34.75% | 19.12% | +1,914 bps | |
| Net Interest Margin | 1.26% | 1.16% | 1.15% | 1.20% | 1.25% | 1.22% | 0.66% | 0.25% | -94 bps | |
| Efficiency Ratio | 86.80% | 93.61% | 90.20% | 99.11% | 97.46% | 94.46% | 30.19% | 49.78% | -4,933 bps | |
| Non-Interest Burden | 1.09% | 1.08% | 1.03% | 1.18% | 1.21% | 1.14% | -2.58% | -1.53% | -271 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.78% | 1.81% | -4.71% | 4.14% | -6.81% | -11.97% | -25.15% | -37.17% | -4,131 bps | |
| Loan Growth (YoY) | 1.47% | 7.34% | 10.22% | 4.20% | 0.12% | -8.90% | -100.00% | -100.00% | -10,420 bps | |
| Deposit Growth (YoY) | 1.58% | 6.44% | 3.63% | -8.96% | -12.10% | -15.63% | -18.56% | -29.77% | -2,081 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | n/a | |
| Net Charge-Offs / Loans | 0.03% | 0.02% | 0.02% | 0.02% | 0.02% | 0.02% | 0.03% | n/a | n/a | |
| Allowance / Loans | 0.04% | 0.04% | 0.05% | 0.05% | 0.04% | 0.05% | n/a | n/a | n/a | |
| 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 | 9.02% | 11.85% | 14.24% | n/a | |
| Total Risk-Based Capital | 24.08% | 24.31% | 24.52% | 25.38% | 26.18% | 28.36% | 993% | 1124% | +109,830 bps | |
| Equity / Assets | 8.67% | 8.76% | 8.79% | 9.05% | 9.41% | 10.01% | 12.81% | 15.58% | +653 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 54.73% | 57.76% | 61.05% | 65.27% | 62.33% | 62.37% | 0.00% | 0.00% | -6,527 bps | |
| Liquid Assets / Assets | 0.94% | 0.62% | 1.42% | 0.00% | 0.02% | 0.02% | 98.86% | 98.80% | +9,880 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |