Hamilton, NJ · Cert 57274
FDIC · 2 branches
Q2 2019
Market Position · Trenton-Princeton, NJ · 2019 SOD (annual) · 1.0% share · #14 of 26 inst. · $0.2B of $17.4B
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 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.67% | 0.93% | 0.48% | 0.17% | 0.01% | -65 bps | |
| Return on Equity | 6.52% | 8.99% | 4.57% | 1.47% | 0.12% | -640 bps | |
| Net Interest Margin | 3.86% | 4.09% | 4.15% | 3.78% | 3.92% | +6 bps | |
| Efficiency Ratio | 84.74% | 80.77% | 84.39% | 96.10% | 87.34% | +260 bps | |
| Non-Interest Burden | 3.17% | 3.19% | 3.36% | 3.60% | 3.34% | +17 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.31% | -0.76% | -8.51% | -5.08% | -6.11% | -843 bps | |
| Loan Growth (YoY) | -2.17% | -6.73% | -6.97% | -7.10% | -8.09% | -591 bps | |
| Deposit Growth (YoY) | 1.61% | -2.08% | -14.20% | -9.22% | -7.03% | -864 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.03% | 2.76% | 2.30% | 3.25% | 1.99% | -103 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.07% | 0.46% | -0.04% | 0.78% | +79 bps | |
| Allowance / Loans | 1.30% | 1.23% | 1.22% | 1.27% | 1.25% | -5 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.4x | 0.5x | 0.4x | 0.6x | +0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.36% | 10.81% | 10.94% | 11.02% | 11.11% | +75 bps | |
| Total Risk-Based Capital | 15.74% | 16.57% | 16.60% | 17.02% | 17.34% | +160 bps | |
| Equity / Assets | 10.25% | 10.88% | 11.27% | 11.35% | 11.11% | +86 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 90.33% | 89.49% | 100.53% | 96.72% | 89.30% | -103 bps | |
| Liquid Assets / Assets | 14.20% | 13.85% | 9.60% | 10.62% | 14.48% | +28 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |