Westwood, NJ · Cert 57215
FDIC · 8 branches
Q4 2015
Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2015 SOD (annual) · 0.0% share · #125 of 219 inst. · $0.3B of $1502.0B
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 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.74% | 0.58% | 0.59% | 0.52% | 0.37% | -37 bps | |
| Return on Equity | 7.55% | 5.99% | 6.18% | 5.47% | 3.89% | -365 bps | |
| Net Interest Margin | 4.04% | 3.61% | 3.41% | 3.43% | 3.40% | -64 bps | |
| Efficiency Ratio | 70.55% | 73.60% | 72.89% | 75.82% | 81.49% | +1,094 bps | |
| Non-Interest Burden | 2.83% | 2.64% | 2.46% | 2.59% | 2.76% | -7 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.69% | 6.12% | 7.42% | 9.80% | 10.41% | +1,610 bps | |
| Loan Growth (YoY) | -3.67% | 10.20% | 17.17% | 16.35% | 8.84% | +1,250 bps | |
| Deposit Growth (YoY) | -5.68% | -1.25% | -2.50% | 0.27% | 1.71% | +739 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.19% | -0.02% | 0.07% | 0.12% | 0.10% | -9 bps | |
| Allowance / Loans | 1.52% | 1.38% | 1.32% | 1.31% | 1.30% | -23 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | 9.81% | 9.29% | 9.37% | 9.07% | n/a | |
| Total Risk-Based Capital | 12.82% | 12.10% | 12.00% | 11.87% | 11.75% | -107 bps | |
| Equity / Assets | 10.13% | 9.25% | 9.20% | 9.56% | 9.21% | -93 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 101.19% | 108.82% | 109.56% | 109.91% | 108.28% | +709 bps | |
| Liquid Assets / Assets | 3.00% | 2.65% | 2.59% | 2.57% | 2.53% | -47 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |