Oak Ridge, NJ · Cert 30126
FDIC · 3 branches
Q4 2020
Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2020 SOD (annual) · 0.0% share · #158 of 180 inst. · $0.1B 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 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.19% | 0.28% | 0.32% | 0.50% | 0.65% | +46 bps | |
| Return on Equity | 1.60% | 2.28% | 2.66% | 4.16% | 5.39% | +379 bps | |
| Net Interest Margin | 2.84% | 2.72% | 2.67% | 2.56% | 2.48% | -35 bps | |
| Efficiency Ratio | 92.03% | 86.99% | 84.31% | 79.30% | 75.88% | -1,615 bps | |
| Non-Interest Burden | 2.53% | 2.22% | 2.07% | 1.76% | 1.51% | -102 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.67% | -0.80% | 4.18% | 5.49% | 2.96% | +230 bps | |
| Loan Growth (YoY) | 2.83% | 5.66% | 9.03% | 7.50% | 2.21% | -62 bps | |
| Deposit Growth (YoY) | 4.42% | -0.11% | 5.16% | 5.28% | 1.69% | -273 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.15% | 0.15% | 0.09% | 0.00% | 0.55% | +39 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.30% | 0.20% | 0.15% | +15 bps | |
| Allowance / Loans | 0.80% | 0.83% | 0.71% | 0.72% | 0.72% | -8 bps | |
| Allowance Coverage of NPLs | 5.2x | 5.4x | 7.5x | n/a | 1.3x | -3.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.24% | 11.23% | 11.28% | 11.29% | 11.57% | +33 bps | |
| Total Risk-Based Capital | 20.11% | 20.09% | 19.58% | 20.02% | 23.87% | +376 bps | |
| Equity / Assets | 12.09% | 12.26% | 11.92% | 11.97% | 12.39% | +30 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 104.94% | 109.20% | 107.58% | 105.38% | 105.47% | +53 bps | |
| Liquid Assets / Assets | 15.06% | 13.93% | 15.42% | 16.19% | 15.81% | +75 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |