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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.63% | 0.93% | 0.82% | 0.55% | 0.58% | 0.59% | 0.38% | -0.09% | -64 bps | |
| Return on Equity | 6.63% | 9.66% | 8.38% | 5.51% | 5.99% | 6.37% | 4.07% | -0.91% | -642 bps | |
| Net Interest Margin | 3.98% | 4.17% | 3.83% | 3.76% | 3.61% | 3.45% | 3.46% | 3.28% | -49 bps | |
| Efficiency Ratio | 74.22% | 64.34% | 65.89% | 78.59% | 73.60% | 72.20% | 81.71% | 99.28% | +2,068 bps | |
| Non-Interest Burden | 2.93% | 2.65% | 2.49% | 2.94% | 2.64% | 2.47% | 2.83% | 3.25% | +31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.32% | -8.08% | -11.16% | -5.69% | 6.12% | 7.42% | 9.80% | 10.41% | +1,610 bps | |
| Loan Growth (YoY) | -11.27% | -11.76% | -13.90% | -3.67% | 10.20% | 17.17% | 16.35% | 8.84% | +1,250 bps | |
| Deposit Growth (YoY) | -5.72% | -9.41% | -12.43% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.16% | -0.09% | 0.63% | -0.02% | 0.16% | 0.22% | 0.05% | -58 bps | |
| Allowance / Loans | 1.69% | 1.72% | 1.79% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | 9.81% | 9.29% | 9.37% | 9.07% | n/a | |
| Total Risk-Based Capital | 12.38% | 13.01% | 13.06% | 12.82% | 12.10% | 12.00% | 11.87% | 11.75% | -107 bps | |
| Equity / Assets | 9.56% | 9.70% | 9.91% | 10.13% | 9.25% | 9.20% | 9.56% | 9.21% | -93 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.51% | 91.17% | 94.72% | 101.19% | 108.82% | 109.56% | 109.91% | 108.28% | +709 bps | |
| Liquid Assets / Assets | 1.77% | 2.71% | 2.87% | 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 | n/a | n/a | n/a |