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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.43% | 0.57%1 | 0.37%1 | 0.31% | 0.39% | 0.28% | 0.26% | -1.45% | -176 bps | |
| Return on Equity | n/a | 4.92% | 3.26% | 2.71% | 3.46% | 2.41% | 2.21% | -11.69% | -1,440 bps | |
| Net Interest Margin | 1.55% | 1.62% | 1.61% | 1.65% | 1.72% | 1.90% | 1.83% | 1.91% | +26 bps | |
| Efficiency Ratio | 86.72% | 81.03% | 81.72% | 80.29% | 78.75% | 77.54% | 79.40% | 154.41% | +7,412 bps | |
| Non-Interest Burden | 1.33% | 1.29% | 1.29% | 1.30% | 1.33% | 1.46% | 1.44% | 2.99% | +169 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.58% | -2.03% | -3.69% | -5.07% | -6.77% | -7.59% | -6.51% | -26.68% | -2,161 bps | |
| Loan Growth (YoY) | 1.89% | -1.15% | -1.43% | -1.89% | -1.13% | -0.32% | -1.06% | -4.17% | -228 bps | |
| Deposit Growth (YoY) | -1.37% | -3.04% | -3.71% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.01% | 0.23% | 0.15% | 0.32% | 0.03% | 0.04% | 0.11% | -4 bps | |
| Allowance / Loans | 0.65% | 0.66% | 0.55% | 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 | 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 | n/a | n/a | n/a |
| Total Risk-Based Capital | 29.13% | 29.63% | 28.83% | 29.40% | 30.74% | 32.11% | 32.92% | 35.69% | +629 bps | |
| Equity / Assets | 11.69% | 11.62% | 11.03% | 11.15% | 11.17% | 11.74% | 12.29% | 15.17% | +402 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 60.73% | 59.31% | 60.41% | 62.23% | 64.55% | 64.76% | 65.68% | 74.30% | +1,207 bps | |
| Liquid Assets / Assets | 10.58% | 11.98% | 13.05% | 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 | n/a | n/a | n/a |