Ewing, NJ · Cert 35057
FDIC · 3 branches
Q3 2014
Market Position · Trenton, NJ · 2014 SOD (annual) · 2.2% share · #13 of 26 inst. · $0.3B of $14.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.17% | 0.65% | 0.28% | 0.24% | -5.27% | -545 bps | |
| Return on Equity | 1.58% | 5.84% | 2.41% | 2.01% | -38.94% | -4,051 bps | |
| Net Interest Margin | 1.67% | 1.84% | 1.90% | 1.75% | 1.77% | +10 bps | |
| Efficiency Ratio | 77.44% | 74.46% | 77.54% | 81.42% | 321% | +24,308 bps | |
| Non-Interest Burden | 1.27% | 1.35% | 1.46% | 1.41% | 5.88% | +461 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.07% | -6.77% | -7.59% | -6.51% | -26.68% | -2,161 bps | |
| Loan Growth (YoY) | -1.89% | -1.13% | -0.32% | -1.06% | -4.17% | -228 bps | |
| Deposit Growth (YoY) | -5.00% | -6.99% | -8.72% | -9.01% | -19.73% | -1,472 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.84% | 0.03% | 0.04% | 0.26% | +25 bps | |
| Allowance / Loans | 0.62% | 0.55% | 0.55% | 0.54% | 0.49% | -13 bps | |
| Allowance Coverage of NPLs | 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 | n/a | n/a | n/a |
| Total Risk-Based Capital | 29.40% | 30.74% | 32.11% | 32.92% | 35.69% | +629 bps | |
| Equity / Assets | 11.15% | 11.17% | 11.74% | 12.29% | 15.17% | +402 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 62.23% | 64.55% | 64.76% | 65.68% | 74.30% | +1,207 bps | |
| Liquid Assets / Assets | 7.20% | 6.98% | 4.02% | 12.04% | 35.51% | +2,832 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |