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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.24% | 1.23% | 1.56% | 1.49% | 1.50% | 1.22% | 0.82% | 1.25% | -24 bps | |
| Return on Equity | 2.32% | 11.85% | 14.93% | 14.08% | 13.48% | 10.51% | 7.13% | 10.87% | -321 bps | |
| Net Interest Margin | 3.41% | 3.54% | 3.88% | 3.69% | 3.72% | 3.79% | 3.79% | 3.70% | +2 bps | |
| Efficiency Ratio | 57.66% | 55.90% | 50.66% | 51.73% | 55.21% | 56.30% | 66.41% | 56.01% | +429 bps | |
| Non-Interest Burden | 1.84% | 1.85% | 1.74% | 1.73% | 1.94% | 2.02% | 2.44% | 1.98% | +24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.39% | 2.68% | 2.64% | 2.07% | -1.30% | 0.00% | 0.74% | 1.11% | -96 bps | |
| Loan Growth (YoY) | 11.21% | 11.16% | 6.96% | 5.57% | 3.83% | 1.29% | 4.02% | 1.05% | -452 bps | |
| Deposit Growth (YoY) | 2.02% | 2.30% | 2.28% | 1.58% | -2.79% | -1.75% | -0.93% | -0.55% | -213 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.36% | 1.27% | 0.02% | 0.38% | 0.97% | 0.96% | 1.02% | 1.03% | +65 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.05% | 0.04% | -0.15% | 0.15% | -0.01% | 0.00% | -0.02% | +14 bps | |
| Allowance / Loans | 1.43% | 1.41% | 1.43% | 1.37% | 1.21% | 1.22% | 1.22% | 1.22% | -15 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.1x | 83.6x | 3.6x | 1.3x | 1.3x | 1.2x | 1.2x | -2.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.14% | 10.60% | 10.78% | 10.74% | 11.39% | 11.89% | 11.86% | 11.54% | +79 bps | |
| Total Risk-Based Capital | 15.29% | 15.31% | 15.87% | 16.18% | 16.02% | 16.45% | 16.55% | 16.75% | +57 bps | |
| Equity / Assets | 10.33% | 10.43% | 10.47% | 10.69% | 11.64% | 11.62% | 11.43% | 11.56% | +87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.81% | 85.47% | 81.71% | 82.87% | 89.52% | 88.12% | 85.80% | 84.21% | +134 bps | |
| Liquid Assets / Assets | 12.88% | 11.48% | 16.13% | 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 | n/a | n/a | n/a |