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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.76% | 0.71% | 0.62% | 1.10% | 0.99% | 1.21% | 1.16% | 1.09% | -2 bps | |
| Return on Equity | 5.71% | 5.45% | 4.77% | 8.76% | 7.83% | 9.53% | 9.17% | 8.61% | -15 bps | |
| Net Interest Margin | 3.19% | 3.10% | 3.07% | 3.25% | 3.33% | 3.31% | 3.24% | 3.40% | +15 bps | |
| Efficiency Ratio | 72.09% | 73.69% | 74.15% | 70.23% | 68.63% | 67.34% | 66.60% | 62.01% | -822 bps | |
| Non-Interest Burden | 1.98% | 1.99% | 1.99% | 1.95% | 1.94% | 1.89% | 1.82% | 1.74% | -20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.11% | 5.24% | 6.61% | 4.19% | 0.67% | 2.29% | 3.01% | 6.48% | +229 bps | |
| Loan Growth (YoY) | 1.33% | 2.00% | 4.60% | 2.77% | 2.07% | 3.97% | 1.91% | 3.17% | +40 bps | |
| Deposit Growth (YoY) | 8.53% | 7.15% | 7.17% | 4.56% | 1.01% | 2.69% | 3.03% | 6.10% | +154 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.13% | 1.11% | 1.06% | 1.08% | 1.05% | 1.11% | 0.96% | 0.94% | -14 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.06% | 0.05% | 0.07% | 0.06% | 0.02% | 0.12% | 0.09% | +2 bps | |
| Allowance / Loans | 1.69% | 1.73% | 1.74% | 1.67% | 1.68% | 1.45% | 1.40% | 1.43% | -24 bps | |
| Allowance Coverage of NPLs | 1.5x | 1.6x | 1.6x | 1.5x | 1.6x | 1.3x | 1.5x | 1.5x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.61% | 9.08% | 8.78% | 9.18% | 9.44% | 9.55% | 9.35% | 9.28% | +9 bps | |
| Total Risk-Based Capital | 13.01% | 12.69% | 12.41% | 12.94% | 12.85% | 13.05% | 13.33% | 13.00% | +7 bps | |
| Equity / Assets | 13.07% | 12.67% | 12.48% | 12.73% | 12.84% | 12.56% | 12.67% | 12.56% | -17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.79% | 81.92% | 82.30% | 83.52% | 84.67% | 82.94% | 81.40% | 81.21% | -230 bps | |
| Liquid Assets / Assets | 0.42% | 0.16% | 0.13% | 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 | n/a | n/a | n/a |