Hackensack, NJ · Cert 28866
FDIC · 27 branches
Q3 2019
Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2019 SOD (annual) · 0.2% share · #49 of 187 inst. · $3.0B 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 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.29% | 1.32% | 1.21% | 1.25% | 1.22% | -7 bps | |
| Return on Equity | 10.92% | 10.77% | 10.02% | 10.61% | 9.99% | -93 bps | |
| Net Interest Margin | 2.65% | 2.58% | 2.39% | 2.46% | 2.46% | -20 bps | |
| Efficiency Ratio | 42.09% | 35.85% | 37.36% | 36.91% | 35.74% | -636 bps | |
| Non-Interest Burden | 1.06% | 0.81% | 0.83% | 0.85% | 0.81% | -25 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.22% | -0.79% | -1.63% | -2.32% | -2.95% | -274 bps | |
| Loan Growth (YoY) | -1.72% | -2.90% | -2.02% | -1.44% | -2.29% | -57 bps | |
| Deposit Growth (YoY) | 0.19% | -1.46% | -1.74% | 0.19% | 0.46% | +27 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.26% | 0.30% | 0.28% | 0.28% | 0.18% | -7 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.01% | 0.01% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.81% | 0.82% | 0.81% | 0.81% | 0.83% | +2 bps | |
| Allowance Coverage of NPLs | 3.2x | 2.7x | 2.9x | 2.9x | 4.5x | +1.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.74% | 12.25% | 11.59% | 11.90% | 12.37% | +63 bps | |
| Total Risk-Based Capital | 14.05% | 14.52% | 13.75% | 14.15% | 14.79% | +73 bps | |
| Equity / Assets | 12.07% | 12.38% | 11.69% | 11.92% | 12.44% | +36 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 119.56% | 119.82% | 120.14% | 119.25% | 116.29% | -326 bps | |
| Liquid Assets / Assets | 8.08% | 8.54% | 8.30% | 8.35% | 8.24% | +16 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |