Pennington, NJ · Cert 34942
FDIC · 10 branches
Q4 2015
Market Position · Trenton, NJ · 2015 SOD (annual) · 2.3% share · #12 of 25 inst. · $0.3B of $15.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.58% | 0.56% | 0.53% | 0.50% | 0.53% | 0.44% | 0.51% | 0.19% | -31 bps | |
| Return on Equity | 6.03% | 5.90% | 5.73% | 5.33% | 5.60% | 4.67% | 5.40% | 2.02% | -331 bps | |
| Net Interest Margin | 3.46% | 3.40% | 3.25% | 3.39% | 3.37% | 3.33% | 3.39% | 3.19% | -19 bps | |
| Efficiency Ratio | 74.43% | 78.06% | 73.92% | 77.05% | 77.80% | 76.85% | 77.43% | 77.69% | +64 bps | |
| Non-Interest Burden | 2.48% | 2.62% | 2.35% | 2.58% | 2.58% | 2.52% | 2.58% | 2.45% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.97% | 12.02% | 7.87% | 10.30% | 8.30% | 4.77% | 3.72% | 5.16% | -514 bps | |
| Loan Growth (YoY) | 11.97% | 12.76% | 11.23% | 8.54% | 7.93% | 7.59% | 5.39% | 2.02% | -652 bps | |
| Deposit Growth (YoY) | 4.15% | 12.78% | 8.43% | 10.98% | 8.71% | 4.72% | 3.48% | 5.32% | -566 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.26% | 0.34% | 0.00% | 0.17% | 0.00% | 0.00% | 0.00% | 0.00% | -17 bps | |
| Allowance / Loans | 1.23% | 1.15% | 1.19% | 1.21% | 1.25% | 1.29% | 1.32% | 1.61% | +40 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | 9.55% | 9.43% | 9.38% | 9.50% | n/a | |
| Total Risk-Based Capital | 14.12% | 13.63% | 13.71% | 13.70% | 13.68% | 13.56% | 13.81% | 14.28% | +58 bps | |
| Equity / Assets | 9.63% | 9.34% | 9.23% | 9.44% | 9.54% | 9.36% | 9.38% | 9.41% | -3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.22% | 78.08% | 77.86% | 79.81% | 79.65% | 80.22% | 79.30% | 77.31% | -250 bps | |
| Liquid Assets / Assets | 10.61% | 13.73% | 10.14% | 14.14% | 14.38% | 14.21% | 15.87% | 18.55% | +442 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |