Clifton, NJ · Cert 28633
FDIC · 12 branches
Q1 2018
Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2017 SOD (annual) · 0.1% share · #74 of 210 inst. · $0.9B of $1816.5B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.31% | 0.39% | 0.37% | 0.36% | 0.39% | 0.61% | 0.11% | 0.58% | +22 bps | |
| Return on Equity | 1.61% | 2.07% | 2.00% | 2.02% | 2.28% | 3.73% | 0.69% | 3.78% | +176 bps | |
| Net Interest Margin | 2.17% | 2.14% | 2.10% | 2.13% | 2.11% | 2.11% | 1.98% | 2.01% | -12 bps | |
| Efficiency Ratio | 73.44% | 69.33% | 70.13% | 69.16% | 66.03% | 60.85% | 58.87% | 62.77% | -639 bps | |
| Non-Interest Burden | 1.55% | 1.44% | 1.43% | 1.44% | 1.35% | 1.23% | 1.12% | 1.22% | -21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.76% | 14.45% | 18.05% | 14.78% | 18.79% | 18.62% | 21.89% | 16.16% | +138 bps | |
| Loan Growth (YoY) | 26.29% | 30.24% | 33.86% | 29.22% | 30.07% | 29.42% | 25.61% | 17.53% | -1,169 bps | |
| Deposit Growth (YoY) | 1.97% | 8.53% | 13.82% | 17.46% | 19.42% | 15.22% | 13.33% | 9.52% | -795 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.42% | 0.40% | 0.42% | 0.43% | 0.51% | +9 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.04% | 0.02% | 0.01% | 0.00% | 0.00% | -0.01% | 0.00% | -1 bps | |
| Allowance / Loans | 0.57% | 0.59% | 0.59% | 0.60% | 0.62% | 0.64% | 0.68% | 0.67% | +7 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 1.4x | 1.5x | 1.5x | 1.6x | 1.3x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 19.40% | 18.86% | 18.45% | 18.02% | 17.22% | 16.17% | 15.41% | 15.74% | -228 bps | |
| Total Risk-Based Capital | 35.08% | 35.15% | 33.61% | 31.40% | 29.40% | 28.17% | 25.77% | 26.22% | -518 bps | |
| Equity / Assets | 19.04% | 18.81% | 18.17% | 17.60% | 16.66% | 16.04% | 15.04% | 15.82% | -177 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 107.05% | 108.06% | 110.70% | 114.56% | 116.60% | 121.38% | 122.70% | 122.94% | +838 bps | |
| Liquid Assets / Assets | 27.52% | 25.09% | 24.26% | 22.27% | 22.62% | 19.84% | 19.03% | 17.42% | -486 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |