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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.01% | 0.04% | 0.09% | -0.14% | 0.07% | 0.13%1 | 7.56%1 | -1.55% | -142 bps | |
| Return on Equity | -0.08% | 0.46% | 1.00% | -1.53% | 0.76% | 1.35% | 66.92% | -11.07% | -954 bps | |
| Net Interest Margin | 1.18% | 1.16% | 1.14% | 1.25% | 1.28% | 1.22% | -0.03% | -0.87% | -213 bps | |
| Efficiency Ratio | 97.63% | 93.61% | 86.73% | 115.79% | 92.65% | 94.46% | 18.30% | 49.78% | -6,601 bps | |
| Non-Interest Burden | 1.15% | 1.08% | 0.98% | 1.47% | 1.18% | 1.14% | -6.42% | 1.80% | +33 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 | 0.02% | 0.02% | 0.02% | 0.02% | 0.01% | 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 |