Edgewater, NJ · Cert 35479
FDIC · 6 branches
Q3 2021
Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2021 SOD (annual) · 0.0% share · #112 of 173 inst. · $0.4B of $2606.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.78% | 1.26% | 1.18% | 1.08% | 2.06% | +128 bps | |
| Return on Equity | 8.23% | 13.18% | 12.02% | 10.92% | 20.93% | +1,270 bps | |
| Net Interest Margin | 3.27% | 3.23% | 3.14% | 3.16% | 3.22% | -6 bps | |
| Efficiency Ratio | 71.66% | 60.59% | 63.39% | 69.29% | 60.83% | -1,084 bps | |
| Non-Interest Burden | 2.29% | 1.79% | 1.91% | 2.10% | 1.82% | -47 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.34% | 5.76% | 1.41% | 1.64% | 6.47% | +214 bps | |
| Loan Growth (YoY) | 4.11% | -0.52% | 0.33% | -3.90% | -4.55% | -866 bps | |
| Deposit Growth (YoY) | 6.64% | 5.53% | 1.41% | 3.60% | 7.26% | +62 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.76% | 1.70% | 1.78% | 2.12% | 2.16% | +39 bps | |
| Net Charge-Offs / Loans | -0.21% | 0.04% | 0.35% | 0.15% | 0.04% | +25 bps | |
| Allowance / Loans | 0.98% | 1.06% | 0.97% | 0.95% | 0.75% | -24 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.6x | 0.5x | 0.4x | 0.3x | -0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.67% | 9.61% | 9.93% | 9.61% | 9.88% | +22 bps | |
| Total Risk-Based Capital | 13.19% | 14.45% | 14.50% | 14.54% | 14.92% | +173 bps | |
| Equity / Assets | 9.61% | 9.50% | 10.12% | 9.72% | 9.93% | +31 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 95.98% | 88.26% | 96.24% | 89.70% | 85.41% | -1,056 bps | |
| Liquid Assets / Assets | 9.81% | 16.12% | 11.26% | 15.04% | 19.07% | +926 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |