Metuchen, NJ · Cert 30099
FDIC · 2 branches
Q1 2019
Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2018 SOD (annual) · 0.0% share · #145 of 201 inst. · $0.2B of $1824.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.16% | -0.05% | 0.12% | 0.30% | 0.16% | 0.19% | -0.06% | 0.25% | -5 bps | |
| Return on Equity | 1.51% | -0.47% | 1.16% | 2.88% | 1.55% | 1.76% | -0.53% | 2.14% | -74 bps | |
| Net Interest Margin | 2.47% | 2.60% | 2.65% | 2.88% | 2.89% | 2.99% | -6.27% | 3.67% | +79 bps | |
| Efficiency Ratio | 92.13% | 102.97% | 90.29% | 84.90% | 91.77% | 87.02% | 76.63% | 77.01% | -789 bps | |
| Non-Interest Burden | 2.25% | 2.67% | 2.37% | 2.41% | 2.63% | 2.58% | -5.68% | 3.10% | +69 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.97% | -0.87% | -1.15% | -2.00% | -3.00% | -5.62% | -4.70% | -0.80% | +119 bps | |
| Loan Growth (YoY) | 3.50% | 3.66% | 9.90% | 11.59% | 14.09% | 16.01% | 11.85% | 9.34% | -226 bps | |
| Deposit Growth (YoY) | -1.26% | -0.07% | -0.77% | -1.63% | -2.87% | -6.03% | -5.75% | -1.58% | +5 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.71% | 0.83% | 0.62% | 0.17% | 0.35% | 0.34% | 0.26% | 0.25% | +8 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.07% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.82% | 0.81% | 0.79% | 0.77% | 0.77% | 0.77% | 0.01% | 0.05% | -72 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.0x | 1.3x | 4.5x | 2.2x | 2.3x | 0.0x | 0.2x | -4.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.83% | 10.97% | 10.99% | 11.14% | 11.23% | 11.58% | 10.59% | 10.48% | -66 bps | |
| Total Risk-Based Capital | 22.93% | 22.69% | 21.13% | 20.88% | 20.47% | 20.13% | 16.84% | 16.30% | -458 bps | |
| Equity / Assets | 10.31% | 10.33% | 10.34% | 10.26% | 10.50% | 10.82% | 11.91% | 11.52% | +126 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.84% | 65.74% | 69.76% | 72.45% | 76.15% | 81.16% | 82.78% | 80.49% | +803 bps | |
| Liquid Assets / Assets | 7.16% | 7.87% | 6.43% | 4.54% | 3.73% | 3.60% | 18.13% | 17.32% | +1,278 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |