Roselle, NJ · Cert 28567
FDIC · 4 branches
Q1 2020
Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2019 SOD (annual) · 0.0% share · #127 of 187 inst. · $0.3B of $1861.3B
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 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.34% | -0.40% | -0.85% | -0.86% | -5.44% | -510 bps | |
| Return on Equity | -2.33% | -2.79% | -5.96% | -6.08% | -42.63% | -4,030 bps | |
| Net Interest Margin | 1.43% | 1.31% | 1.24% | 1.22% | 1.16% | -27 bps | |
| Efficiency Ratio | 120.58% | 126.70% | 160.12% | 161.54% | 502% | +38,192 bps | |
| Non-Interest Burden | 1.75% | 1.69% | 2.06% | 2.04% | 6.75% | +500 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.14% | 7.49% | 9.37% | 5.93% | 1.86% | -128 bps | |
| Loan Growth (YoY) | 32.61% | 21.96% | 15.50% | 7.67% | 5.72% | -2,689 bps | |
| Deposit Growth (YoY) | 1.20% | 6.58% | 8.80% | 6.05% | 5.87% | +466 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.25% | 0.10% | 0.10% | 0.14% | 0.04% | -21 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.74% | 0.74% | 0.74% | 0.74% | 0.76% | +2 bps | |
| Allowance Coverage of NPLs | 3.0x | 7.2x | 7.3x | 5.4x | 19.9x | +16.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 14.39% | 13.77% | 13.01% | 12.82% | 11.74% | -265 bps | |
| Total Risk-Based Capital | 41.14% | 36.89% | 35.49% | 34.55% | 30.37% | -1,077 bps | |
| Equity / Assets | 14.74% | 14.12% | 13.68% | 13.58% | 11.91% | -283 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 52.68% | 50.72% | 50.45% | 52.57% | 52.61% | -7 bps | |
| Liquid Assets / Assets | 38.93% | 37.82% | 37.88% | 36.19% | 35.94% | -299 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |