Toms River, NJ · Cert 34253
FDIC · 5 branches
Q3 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2019, the quarter ended September 30, 2019, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Toms River, NJ · Cert 34253
FDIC · 5 branches
Q3 2019
Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2019 SOD (annual) · 0.0% share · #134 of 187 inst. · $0.2B of $1861.3B
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 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.43% | 1.45% | 1.22% | 1.02% | 1.10% | -33 bps | |
| Return on Equity | 13.63% | 13.58% | 10.51% | 8.81% | 9.51% | -413 bps | |
| Net Interest Margin | 3.61% | 3.72% | 3.79% | 3.76% | 3.62% | +2 bps | |
| Efficiency Ratio | 52.63% | 53.26% | 56.30% | 61.37% | 59.55% | +692 bps | |
| Non-Interest Burden | 1.73% | 1.82% | 2.02% | 2.21% | 2.07% | +34 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.07% | -1.30% | 0.00% | 0.74% | 1.11% | -96 bps | |
| Loan Growth (YoY) | 5.57% | 3.83% | 1.29% | 4.02% | 1.05% | -452 bps | |
| Deposit Growth (YoY) | 1.58% | -2.79% | -1.75% | -0.93% | -0.55% | -213 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.38% | 0.97% | 0.96% | 1.02% | 1.03% | +65 bps | |
| Net Charge-Offs / Loans | -0.05% | 0.00% | -0.01% | -0.01% | -0.01% | +5 bps | |
| Allowance / Loans | 1.37% | 1.21% | 1.22% | 1.22% | 1.22% | -15 bps | |
| Allowance Coverage of NPLs | 3.6x | 1.3x | 1.3x | 1.2x | 1.2x | -2.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.74% | 11.39% | 11.89% | 11.86% | 11.54% | +79 bps | |
| Total Risk-Based Capital | 16.18% | 16.02% | 16.45% | 16.55% | 16.75% | +57 bps | |
| Equity / Assets | 10.69% | 11.64% | 11.62% | 11.43% | 11.56% | +87 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 82.87% | 89.52% | 88.12% | 85.80% | 84.21% | +134 bps | |
| Liquid Assets / Assets | 15.17% | 10.55% | 11.82% | 13.98% | 15.71% | +54 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |