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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.11% | 0.21% | 0.24% | 0.22% | 0.28% | 0.37% | 0.85% | 1.10% | +88 bps | |
| Return on Equity | 0.90% | 1.73% | 1.98% | 1.78% | 2.28% | 3.05% | 7.13% | 8.99% | +721 bps | |
| Net Interest Margin | 2.88% | 3.02% | 2.81% | 2.68% | 2.72% | 2.64% | 2.47% | 2.33% | -35 bps | |
| Efficiency Ratio | 95.41% | 91.67% | 91.00% | 90.41% | 86.99% | 81.69% | 70.61% | 67.64% | -2,278 bps | |
| Non-Interest Burden | 2.71% | 2.70% | 2.45% | 2.32% | 2.22% | 1.94% | 1.24% | 0.81% | -151 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.07% | 0.12% | -1.77% | 0.67% | -0.80% | 4.18% | 5.49% | 2.96% | +230 bps | |
| Loan Growth (YoY) | -0.86% | -3.03% | -4.08% | 2.83% | 5.66% | 9.03% | 7.50% | 2.21% | -62 bps | |
| Deposit Growth (YoY) | -0.30% | -3.88% | -0.11% | 4.42% | -0.11% | 5.16% | 5.28% | 1.69% | -273 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.14% | 0.16% | 0.29% | 0.15% | 0.15% | 0.09% | 0.00% | 0.55% | +39 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.61% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.83% | 0.84% | 0.82% | 0.80% | 0.83% | 0.71% | 0.72% | 0.72% | -8 bps | |
| Allowance Coverage of NPLs | 5.8x | 5.1x | 2.8x | 5.2x | 5.4x | 7.5x | n/a | 1.3x | -3.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.02% | 11.15% | 11.29% | 11.24% | 11.23% | 11.28% | 11.29% | 11.57% | +33 bps | |
| Total Risk-Based Capital | 19.90% | 20.36% | 19.72% | 20.11% | 20.09% | 19.58% | 20.02% | 23.87% | +376 bps | |
| Equity / Assets | 11.93% | 12.14% | 12.18% | 12.09% | 12.26% | 11.92% | 11.97% | 12.39% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 103.23% | 103.77% | 103.21% | 104.94% | 109.20% | 107.58% | 105.38% | 105.47% | +53 bps | |
| Liquid Assets / Assets | 19.08% | 18.99% | 17.61% | 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 | n/a | n/a | n/a |