Audubon, NJ · Cert 28191
FDIC · 3 branches
Q2 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2018, the quarter ended June 30, 2018, 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.
Audubon, NJ · Cert 28191
FDIC · 3 branches
Q2 2018
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2018 SOD (annual) · 0.0% share · #74 of 117 inst. · $0.1B 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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.07% | 0.06% | -0.11% | -0.14% | -0.88% | -96 bps | |
| Return on Equity | 1.11% | 0.96% | -1.55% | -2.11% | -13.45% | -1,456 bps | |
| Net Interest Margin | 2.53% | 2.53% | 2.52% | 2.47% | 2.49% | -4 bps | |
| Efficiency Ratio | 96.29% | 97.58% | 100.53% | 105.14% | 131.75% | +3,546 bps | |
| Non-Interest Burden | 2.42% | 2.46% | 2.54% | 2.61% | 3.38% | +96 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.15% | -4.58% | -6.83% | -4.43% | -8.46% | -131 bps | |
| Loan Growth (YoY) | -6.00% | -9.64% | -8.69% | -7.62% | -8.78% | -278 bps | |
| Deposit Growth (YoY) | 0.53% | -6.72% | -9.25% | -1.68% | -6.95% | -748 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.26% | 0.24% | 0.17% | 0.89% | 0.15% | -11 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.02% | 0.01% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.80% | 0.83% | 0.85% | 0.86% | 0.87% | +7 bps | |
| Allowance Coverage of NPLs | 3.1x | 3.4x | 4.8x | 1.0x | 5.7x | +2.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 7.10% | 7.23% | 7.22% | 7.26% | 6.96% | -13 bps | |
| Total Risk-Based Capital | 13.12% | 13.62% | 13.73% | 13.86% | 13.29% | +18 bps | |
| Equity / Assets | 6.79% | 7.09% | 6.86% | 6.69% | 6.11% | -68 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 83.36% | 82.28% | 80.37% | 78.98% | 81.72% | -164 bps | |
| Liquid Assets / Assets | 2.46% | 2.34% | 3.80% | 5.93% | 4.06% | +160 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |