West Orange, NJ · Cert 28655
FDIC · 4 branches
Q3 2015
Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2015 SOD (annual) · 0.0% share · #186 of 219 inst. · $0.1B of $1502.0B
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 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.23% | -0.22% | -0.24% | -0.34% | -0.40% | -0.60% | -0.51% | -0.56% | -22 bps | |
| Return on Equity | -1.35% | -1.24% | -1.37% | -1.93% | -2.27% | -3.36% | -2.83% | -3.09% | -117 bps | |
| Net Interest Margin | 2.41% | 2.42% | 2.34% | 2.32% | 2.34% | 2.10% | 2.09% | 2.07% | -25 bps | |
| Efficiency Ratio | 107.18% | 110.82% | 112.85% | 116.34% | 121.45% | 133.13% | 131.58% | 142.19% | +2,585 bps | |
| Non-Interest Burden | 2.59% | 2.69% | 2.65% | 2.71% | 2.86% | 2.83% | 2.78% | 2.98% | +27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.90% | -6.19% | -2.73% | -2.57% | -3.33% | -2.40% | -6.78% | -7.67% | -510 bps | |
| Loan Growth (YoY) | -13.36% | -6.52% | -10.16% | -6.22% | -12.82% | -17.59% | -16.48% | -13.04% | -682 bps | |
| Deposit Growth (YoY) | -5.99% | -7.60% | -3.20% | -2.38% | -3.90% | -2.52% | -8.07% | -9.19% | -681 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.47% | 0.00% | 0.30% | 0.48% | 0.41% | 0.00% | 0.09% | -0.03% | -51 bps | |
| Allowance / Loans | 1.10% | 1.17% | 1.11% | 1.11% | 1.31% | 1.64% | 1.61% | 1.62% | +51 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | 17.78% | 17.73% | 18.60% | n/a | |
| Total Risk-Based Capital | 52.40% | 52.24% | 51.79% | 52.27% | 57.36% | 53.04% | 51.37% | 49.91% | -236 bps | |
| Equity / Assets | 17.74% | 17.72% | 17.46% | 17.70% | 17.93% | 17.65% | 18.16% | 18.57% | +86 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 43.05% | 42.97% | 41.44% | 42.36% | 39.06% | 36.33% | 37.65% | 40.57% | -180 bps | |
| Liquid Assets / Assets | 61.02% | 61.80% | 63.13% | 62.85% | 65.03% | 67.48% | 66.47% | 64.13% | +129 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |