Cape May Court House, NJ · Cert 28395
FDIC · 22 branches
Q1 2016
Market Position · Vineland-Bridgeton, NJ · 2015 SOD (annual) · 18.3% share · #1 of 12 inst. · $0.4B of $2.4B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.45% | 1.99% | 0.84% | 0.63% | 0.82% | +37 bps | |
| Return on Equity | 3.66% | 17.64% | 8.03% | 6.17% | 8.05% | +439 bps | |
| Net Interest Margin | 3.21% | 3.13% | 3.23% | 3.17% | 3.47% | +26 bps | |
| Efficiency Ratio | 79.89% | 54.04% | 63.67% | 70.24% | 58.20% | -2,168 bps | |
| Non-Interest Burden | 2.49% | 0.81% | 1.86% | 2.13% | 1.86% | -64 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.15% | 42.56% | 44.66% | 48.34% | 45.87% | +4,602 bps | |
| Loan Growth (YoY) | -0.91% | 43.02% | 43.93% | 50.71% | 51.29% | +5,219 bps | |
| Deposit Growth (YoY) | -6.56% | 56.90% | 60.97% | 65.03% | 65.18% | +7,174 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.38% | 0.27% | 0.01% | 0.42% | +31 bps | |
| Allowance / Loans | 1.17% | 0.92% | 0.89% | 0.85% | 0.84% | -33 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.43% | 8.96% | 8.87% | 8.59% | 8.64% | -179 bps | |
| Total Risk-Based Capital | 14.99% | 13.21% | 12.67% | 11.93% | 12.09% | -290 bps | |
| Equity / Assets | 12.22% | 10.58% | 10.42% | 10.05% | 10.32% | -190 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 103.88% | 87.94% | 87.13% | 89.18% | 95.14% | -874 bps | |
| Liquid Assets / Assets | 2.50% | 1.55% | 1.40% | 1.30% | 1.03% | -147 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |