Kenilworth, NJ · Cert 57055
FDIC · 4 branches
Q3 2018
Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2018 SOD (annual) · 0.0% share · #150 of 201 inst. · $0.2B of $1824.0B
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 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.95% | 0.92% | 0.98% | 0.98% | 0.72% | 1.24% | 1.15% | 1.17% | +19 bps | |
| Return on Equity | 7.34% | 6.99% | 7.50% | 7.48% | 5.52% | 9.85% | 9.28% | 9.57% | +210 bps | |
| Net Interest Margin | 3.80% | 3.74% | 3.76% | 3.79% | 3.75% | 3.82% | 3.79% | 3.61% | -17 bps | |
| Efficiency Ratio | 57.39% | 57.85% | 56.38% | 56.34% | 57.11% | 50.36% | 53.89% | 52.96% | -338 bps | |
| Non-Interest Burden | 2.13% | 2.11% | 2.07% | 2.08% | 2.09% | 1.88% | 2.00% | 1.88% | -21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.87% | 6.70% | 12.83% | 7.65% | 10.96% | 12.63% | 15.75% | 24.05% | +1,641 bps | |
| Loan Growth (YoY) | 5.42% | 5.86% | 10.92% | 7.03% | 15.45% | 16.55% | 21.87% | 29.56% | +2,253 bps | |
| Deposit Growth (YoY) | 8.07% | 5.25% | 13.45% | 11.57% | 11.24% | 8.93% | 5.33% | 8.86% | -271 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.06% | 0.06% | 0.27% | 0.30% | 0.59% | 0.54% | 0.50% | +23 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.23% | 1.20% | 1.18% | 1.19% | 1.18% | 1.18% | 1.15% | 1.15% | -4 bps | |
| Allowance Coverage of NPLs | n/a | 19.1x | 21.2x | 4.3x | 3.9x | 2.0x | 2.1x | 2.3x | -2.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.21% | 13.40% | 13.04% | 13.24% | 12.92% | 12.71% | 12.48% | 11.94% | -130 bps | |
| Total Risk-Based Capital | 16.35% | 16.59% | 16.39% | 16.64% | 15.92% | 15.34% | 15.31% | 14.86% | -177 bps | |
| Equity / Assets | 13.12% | 13.14% | 12.82% | 13.26% | 12.71% | 12.45% | 12.02% | 11.77% | -149 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 114.88% | 114.68% | 113.91% | 116.02% | 119.23% | 122.70% | 131.80% | 138.09% | +2,206 bps | |
| Liquid Assets / Assets | 3.04% | 3.44% | 5.12% | 3.64% | 2.49% | 2.30% | 0.82% | 1.22% | -242 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |