Garfield, NJ · Cert 32260
FDIC · 2 branches
Q4 2017
Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2017 SOD (annual) · 0.0% share · #188 of 210 inst. · $0.1B of $1816.5B
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 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.31% | 0.01% | -0.60% | -0.30% | -1.33% | -1.38% | -1.12% | -1.20% | -90 bps | |
| Return on Equity | -2.91% | 0.11% | -5.80% | -2.89% | -13.58% | -14.10% | -11.57% | -12.61% | -971 bps | |
| Net Interest Margin | 2.77% | 3.32% | 3.04% | 2.94% | 2.50% | 2.52% | 2.55% | 2.42% | -52 bps | |
| Efficiency Ratio | 164.23% | 138.81% | 144.96% | 130.99% | 148.43% | 150.20% | 139.23% | 143.44% | +1,245 bps | |
| Non-Interest Burden | 4.73% | 4.70% | 4.55% | 4.04% | 3.83% | 3.89% | 3.70% | 3.61% | -43 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.26% | -1.73% | -0.02% | 4.08% | 1.65% | -3.36% | -1.72% | -2.05% | -613 bps | |
| Loan Growth (YoY) | 43.94% | -3.17% | -6.26% | -7.25% | -6.82% | -2.72% | -5.07% | -9.35% | -210 bps | |
| Deposit Growth (YoY) | -0.28% | -1.58% | 0.78% | 5.03% | 2.55% | -2.54% | -1.21% | -0.92% | -595 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.31% | 0.31% | 0.32% | 0.87% | +87 bps | |
| Net Charge-Offs / Loans | -0.68% | -0.31% | -0.24% | -0.28% | -0.07% | -0.07% | -0.08% | -0.08% | +20 bps | |
| Allowance / Loans | 1.53% | 1.14% | 1.19% | 1.07% | 1.13% | 1.14% | 1.21% | 1.26% | +19 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 3.6x | 3.7x | 3.7x | 1.4x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.48% | 10.33% | 9.81% | 9.80% | 9.64% | 9.45% | 9.59% | 8.90% | -90 bps | |
| Total Risk-Based Capital | 17.92% | 18.08% | 17.61% | 17.43% | 17.27% | 16.86% | 17.04% | 16.51% | -92 bps | |
| Equity / Assets | 10.46% | 10.40% | 9.94% | 9.84% | 9.73% | 9.73% | 9.42% | 8.85% | -98 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.61% | 78.88% | 76.41% | 76.12% | 75.05% | 78.73% | 73.43% | 69.64% | -648 bps | |
| Liquid Assets / Assets | 5.31% | 12.04% | 11.89% | 12.06% | 12.22% | 12.78% | 16.59% | 19.01% | +695 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |