Millington, NJ · Cert 30022
FDIC · 4 branches
Q2 2020
Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2020 SOD (annual) · 0.0% share · #107 of 180 inst. · $0.5B of $2319.6B
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 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.85% | 0.86% | 0.51% | 0.69% | 0.74% | 0.77% | 0.55% | 0.67% | -2 bps | |
| Return on Equity | 8.40% | 8.44% | 4.71% | 6.54% | 7.01% | 7.33% | 5.25% | 6.40% | -14 bps | |
| Net Interest Margin | 3.12% | 3.10% | 3.05% | 3.07% | 3.02% | 3.02% | 3.03% | 3.01% | -7 bps | |
| Efficiency Ratio | 62.34% | 61.99% | 77.80% | 69.62% | 67.48% | 66.46% | 70.56% | 67.14% | -248 bps | |
| Non-Interest Burden | 1.89% | 1.87% | 2.35% | 2.10% | 1.99% | 1.95% | 2.09% | 1.97% | -13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.97% | 3.76% | 0.72% | -3.28% | 0.14% | 1.46% | 5.69% | 4.76% | +803 bps | |
| Loan Growth (YoY) | 7.28% | 6.08% | 1.78% | -2.99% | 2.48% | 1.14% | 6.83% | 7.17% | +1,016 bps | |
| Deposit Growth (YoY) | 8.66% | -8.23% | -2.16% | -7.52% | 7.20% | 12.19% | 3.23% | 7.15% | +1,467 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.57% | 0.81% | 0.78% | 0.81% | 0.67% | 0.60% | 0.64% | 0.81% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -0.01% | 0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 1.13% | 1.11% | 1.14% | 1.13% | 1.10% | 1.11% | 1.13% | 1.13% | -1 bps | |
| Allowance Coverage of NPLs | 2.0x | 1.4x | 1.5x | 1.4x | 1.6x | 1.8x | 1.8x | 1.4x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.50% | 10.71% | 10.83% | 10.36% | 10.47% | 10.70% | 10.50% | 10.46% | +10 bps | |
| Total Risk-Based Capital | 12.83% | 13.00% | 13.35% | 12.41% | 12.56% | 12.51% | 12.39% | 12.69% | +28 bps | |
| Equity / Assets | 10.22% | 10.56% | 11.01% | 10.20% | 10.26% | 10.45% | 10.47% | 10.36% | +16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 112.40% | 120.00% | 113.75% | 118.44% | 107.46% | 108.19% | 117.71% | 118.46% | +2 bps | |
| Liquid Assets / Assets | 8.80% | 8.34% | 8.12% | 9.12% | 8.46% | 8.78% | 7.32% | 6.56% | -256 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |