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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.85% | 0.70% | 0.88% | 0.85% | 0.95% | 1.18% | 1.13% | 1.44% | +59 bps | |
| Return on Equity | 9.45% | 7.54% | 9.40% | 9.00% | 10.06% | 12.02% | 11.51% | 14.63% | +563 bps | |
| Net Interest Margin | 3.23% | 3.06% | 3.14% | 3.20% | 3.11% | 3.14% | 3.13% | 3.11% | -9 bps | |
| Efficiency Ratio | 73.22% | 74.08% | 68.74% | 69.73% | 67.24% | 63.39% | 66.40% | 64.45% | -528 bps | |
| Non-Interest Burden | 2.30% | 2.20% | 2.09% | 2.17% | 2.01% | 1.91% | 1.99% | 1.90% | -26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.75% | 1.70% | -1.45% | 4.34% | 5.76% | 1.41% | 1.64% | 6.47% | +214 bps | |
| Loan Growth (YoY) | 2.87% | 1.19% | 4.68% | 4.11% | -0.52% | 0.33% | -3.90% | -4.55% | -866 bps | |
| Deposit Growth (YoY) | 6.32% | 2.30% | -4.64% | 6.64% | 5.53% | 1.41% | 3.60% | 7.26% | +62 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.13% | 1.19% | 1.91% | 1.76% | 1.70% | 1.78% | 2.12% | 2.16% | +39 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.23% | 0.14% | 0.02% | 0.03% | 0.35% | 0.25% | 0.19% | +16 bps | |
| Allowance / Loans | 0.87% | 0.84% | 0.86% | 0.98% | 1.06% | 0.97% | 0.95% | 0.75% | -24 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.7x | 0.5x | 0.6x | 0.6x | 0.5x | 0.4x | 0.3x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.53% | 9.40% | 9.41% | 9.67% | 9.61% | 9.93% | 9.61% | 9.88% | +22 bps | |
| Total Risk-Based Capital | 12.91% | 12.76% | 12.61% | 13.19% | 14.45% | 14.50% | 14.54% | 14.92% | +173 bps | |
| Equity / Assets | 9.29% | 9.40% | 9.27% | 9.61% | 9.50% | 10.12% | 9.72% | 9.93% | +31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.63% | 97.28% | 96.71% | 95.98% | 88.26% | 96.24% | 89.70% | 85.41% | -1,056 bps | |
| Liquid Assets / Assets | 10.83% | 9.56% | 10.11% | 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 | n/a | n/a | n/a |