Woodbury, NJ · Cert 27614
FDIC · 64 branches
Q1 2019
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2018 SOD (annual) · 0.3% share · #23 of 117 inst. · $1.5B of $486.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.10% | 0.88% | 1.64% | 1.03% | 1.09% | -2 bps | |
| Return on Equity | 8.76% | 6.91% | 12.93% | 8.14% | 8.61% | -15 bps | |
| Net Interest Margin | 3.25% | 3.37% | 3.41% | 3.38% | 3.40% | +15 bps | |
| Efficiency Ratio | 70.23% | 67.03% | 64.85% | 64.46% | 62.01% | -822 bps | |
| Non-Interest Burden | 1.95% | 1.91% | 1.85% | 1.82% | 1.74% | -20 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.19% | 0.67% | 2.29% | 3.01% | 6.48% | +229 bps | |
| Loan Growth (YoY) | 2.77% | 2.07% | 3.97% | 1.91% | 3.17% | +40 bps | |
| Deposit Growth (YoY) | 4.56% | 1.01% | 2.69% | 3.03% | 6.10% | +154 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.08% | 1.05% | 1.11% | 0.96% | 0.94% | -14 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.05% | -0.06% | 0.41% | 0.09% | +2 bps | |
| Allowance / Loans | 1.67% | 1.68% | 1.45% | 1.40% | 1.43% | -24 bps | |
| Allowance Coverage of NPLs | 1.5x | 1.6x | 1.3x | 1.5x | 1.5x | 0.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.18% | 9.44% | 9.55% | 9.35% | 9.28% | +9 bps | |
| Total Risk-Based Capital | 12.94% | 12.85% | 13.05% | 13.33% | 13.00% | +7 bps | |
| Equity / Assets | 12.73% | 12.84% | 12.56% | 12.67% | 12.56% | -17 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 83.52% | 84.67% | 82.94% | 81.40% | 81.21% | -230 bps | |
| Liquid Assets / Assets | 0.14% | 0.07% | 5.68% | 5.47% | 5.33% | +519 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |