Lincoln Park, NJ · Cert 28963
FDIC · 2 branches
Q2 2022
Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2022 SOD (annual) · 0.0% share · #128 of 162 inst. · $0.2B of $2794.5B
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 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.06% | -0.25% | -0.25% | -0.41% | -2.06% | -200 bps | |
| Return on Equity | -0.92% | -3.97% | -3.88% | -6.51% | -36.41% | -3,549 bps | |
| Net Interest Margin | 1.62% | 1.77% | 1.82% | 1.77% | 1.74% | +12 bps | |
| Efficiency Ratio | 107.97% | 114.88% | 119.62% | 145.20% | 220% | +11,240 bps | |
| Non-Interest Burden | 1.79% | 2.10% | 2.25% | 2.67% | 4.08% | +229 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.96% | -12.74% | -16.47% | -12.13% | -6.54% | -257 bps | |
| Loan Growth (YoY) | -13.85% | -8.23% | -4.88% | -7.49% | -9.29% | +457 bps | |
| Deposit Growth (YoY) | -4.61% | -16.34% | -22.05% | -15.46% | -6.43% | -182 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.63% | 1.26% | 1.38% | 0.57% | 0.09% | -153 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | -0.29% | -0.15% | -15 bps | |
| Allowance / Loans | 1.45% | 1.37% | 1.40% | 1.35% | 1.33% | -12 bps | |
| Allowance Coverage of NPLs | 0.9x | 1.1x | 1.0x | 2.4x | 14.0x | +13.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 6.53% | 6.80% | 6.89% | 6.81% | 5.94% | -59 bps | |
| Total Risk-Based Capital | 13.93% | 13.85% | 14.21% | 14.54% | 12.58% | -134 bps | |
| Equity / Assets | 6.62% | 6.57% | 6.86% | 5.81% | 4.31% | -231 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 90.10% | 96.03% | 99.23% | 90.57% | 87.35% | -275 bps | |
| Liquid Assets / Assets | 6.94% | 4.98% | 5.01% | 12.40% | 15.47% | +853 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |