Maywood, NJ · Cert 571
FDIC · 3 branches
Q4 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2017, the quarter ended December 31, 2017, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Maywood, NJ · Cert 571
FDIC · 3 branches
Q4 2017
Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2017 SOD (annual) · 0.0% share · #131 of 210 inst. · $0.3B of $1816.5B
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 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.49% | 0.53% | 0.54% | 0.50% | 0.46% | 0.42% | 0.40% | 0.16% | -34 bps | |
| Return on Equity | 5.67% | 6.11% | 6.19% | 5.76% | 5.50% | 5.04% | 4.75% | 1.91% | -385 bps | |
| Net Interest Margin | 3.37% | 3.32% | 3.31% | 3.17% | 3.00% | 2.99% | 3.05% | 3.06% | -11 bps | |
| Efficiency Ratio | 77.35% | 76.92% | 76.73% | 77.21% | 77.85% | 80.37% | 81.37% | 82.45% | +524 bps | |
| Non-Interest Burden | 2.57% | 2.51% | 2.48% | 2.40% | 2.30% | 2.35% | 2.43% | 2.48% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.03% | 7.35% | 2.49% | 4.89% | 8.66% | 5.91% | 3.99% | 1.25% | -364 bps | |
| Loan Growth (YoY) | 3.84% | -1.20% | -2.09% | -0.85% | 0.13% | 2.21% | 3.68% | 5.15% | +600 bps | |
| Deposit Growth (YoY) | 8.33% | 7.41% | 2.73% | 5.88% | 10.83% | 7.10% | 2.16% | -1.48% | -736 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 2.60% | 2.33% | 2.43% | 1.70% | +170 bps | |
| Net Charge-Offs / Loans | 0.72% | 0.37% | 0.28% | 0.17% | 0.23% | 0.22% | 0.20% | 0.15% | -2 bps | |
| Allowance / Loans | 1.31% | 1.35% | 1.31% | 1.37% | 1.27% | 1.23% | 1.16% | 1.15% | -22 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 0.5x | 0.5x | 0.5x | 0.7x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.29% | 8.32% | 8.57% | 8.45% | 8.23% | 8.30% | 8.57% | 8.57% | +12 bps | |
| Total Risk-Based Capital | 14.68% | 15.13% | 15.50% | 15.69% | 15.47% | 15.95% | 15.75% | 15.61% | -8 bps | |
| Equity / Assets | 8.72% | 8.93% | 8.83% | 8.38% | 8.25% | 8.65% | 8.67% | 8.54% | +16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.24% | 78.49% | 76.47% | 74.46% | 73.40% | 74.91% | 77.61% | 79.47% | +501 bps | |
| Liquid Assets / Assets | 2.47% | 3.68% | 5.28% | 3.92% | 4.60% | 3.45% | 3.47% | 1.98% | -194 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |