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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.21% | -3.94% | -0.62% | -0.34% | -0.47% | -1.70% | -0.87% | -5.44% | -510 bps | |
| Return on Equity | -1.30% | -26.01% | -4.24% | -2.33% | -3.24% | -12.24% | -6.39% | -42.63% | -4,030 bps | |
| Net Interest Margin | 1.48% | 1.48% | 1.45% | 1.43% | 1.24% | 1.18% | 1.15% | 1.16% | -27 bps | |
| Efficiency Ratio | 114.68% | 117.66% | 122.08% | 120.58% | 133.54% | 232% | 166.09% | 502% | +38,192 bps | |
| Non-Interest Burden | 1.71% | 1.76% | 1.79% | 1.75% | 1.69% | 2.88% | 1.99% | 6.75% | +500 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.29% | 0.79% | 2.94% | 3.14% | 7.49% | 9.37% | 5.93% | 1.86% | -128 bps | |
| Loan Growth (YoY) | 30.45% | 34.57% | 41.23% | 32.61% | 21.96% | 15.50% | 7.67% | 5.72% | -2,689 bps | |
| Deposit Growth (YoY) | 0.67% | 0.62% | 1.74% | 1.20% | 6.58% | 8.80% | 6.05% | 5.87% | +466 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.16% | 0.49% | 0.02% | 0.25% | 0.10% | 0.10% | 0.14% | 0.04% | -21 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.02% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.75% | 0.74% | 0.74% | 0.74% | 0.74% | 0.74% | 0.74% | 0.76% | +2 bps | |
| Allowance Coverage of NPLs | 4.6x | 1.5x | 33.3x | 3.0x | 7.2x | 7.3x | 5.4x | 19.9x | +16.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.73% | 14.79% | 14.61% | 14.39% | 13.77% | 13.01% | 12.82% | 11.74% | -265 bps | |
| Total Risk-Based Capital | 47.59% | 43.97% | 41.93% | 41.14% | 36.89% | 35.49% | 34.55% | 30.37% | -1,077 bps | |
| Equity / Assets | 15.64% | 14.66% | 14.61% | 14.74% | 14.12% | 13.68% | 13.58% | 11.91% | -283 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 44.33% | 47.52% | 51.78% | 52.68% | 50.72% | 50.45% | 52.57% | 52.61% | -7 bps | |
| Liquid Assets / Assets | 42.05% | 41.04% | 39.82% | 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 | n/a | n/a | n/a |