Ocean City, NJ · Cert 30273
FDIC · 11 branches
Q3 2016
Market Position · Atlantic City-Hammonton, NJ · 2016 SOD (annual) · 9.4% share · #5 of 16 inst. · $0.5B of $5.8B
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 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.70% | 0.69% | 0.67% | 0.68% | 0.66% | -4 bps | |
| Return on Equity | 6.97% | 6.92% | 6.82% | 6.82% | 6.69% | -29 bps | |
| Net Interest Margin | 2.71% | 2.71% | 2.77% | 2.77% | 2.72% | +1 bps | |
| Efficiency Ratio | 65.00% | 65.47% | 66.13% | 66.18% | 66.86% | +186 bps | |
| Non-Interest Burden | 1.61% | 1.63% | 1.70% | 1.70% | 1.68% | +7 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.86% | 2.00% | 2.28% | 2.47% | 2.79% | -8 bps | |
| Loan Growth (YoY) | 1.49% | 1.20% | 2.89% | 1.31% | 0.96% | -53 bps | |
| Deposit Growth (YoY) | 3.55% | 3.43% | 3.62% | 3.90% | 3.57% | +1 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.19% | 0.16% | 0.06% | 0.06% | 0.06% | -13 bps | |
| Allowance / Loans | 0.40% | 0.41% | 0.40% | 0.41% | 0.42% | +2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.21% | 9.30% | 9.51% | 9.55% | 9.47% | +26 bps | |
| Total Risk-Based Capital | 18.20% | 18.52% | 18.69% | 18.99% | 19.23% | +103 bps | |
| Equity / Assets | 9.58% | 9.85% | 9.90% | 10.10% | 9.68% | +9 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 93.96% | 95.90% | 96.14% | 97.21% | 91.60% | -236 bps | |
| Liquid Assets / Assets | 10.08% | 7.78% | 8.22% | 7.38% | 12.61% | +253 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |