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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.23% | 0.67% | 0.56% | 0.78% | 1.46% | -0.94% | 0.17% | -0.14% | -92 bps | |
| Return on Equity | 2.36% | 6.86% | 5.48% | 7.55% | 13.86% | -8.46% | 1.47% | -1.24% | -878 bps | |
| Net Interest Margin | 3.85% | 3.85% | 3.92% | 3.78% | 4.49% | 3.93% | 3.78% | 4.02% | +24 bps | |
| Efficiency Ratio | 92.61% | 85.10% | 86.63% | 83.02% | 73.35% | 93.44% | 96.10% | 79.50% | -352 bps | |
| Non-Interest Burden | 3.53% | 3.18% | 3.34% | 2.97% | 3.20% | 3.55% | 3.60% | 3.03% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.31% | 4.08% | -4.85% | 2.31% | -0.76% | -8.51% | -5.08% | -6.11% | -843 bps | |
| Loan Growth (YoY) | 0.19% | 0.88% | 0.11% | -2.17% | -6.73% | -6.97% | -7.10% | -8.09% | -591 bps | |
| Deposit Growth (YoY) | -4.83% | 3.41% | -6.48% | 1.61% | -2.08% | -14.20% | -9.22% | -7.03% | -864 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.06% | 2.84% | 2.87% | 3.03% | 2.76% | 2.30% | 3.25% | 1.99% | -103 bps | |
| Net Charge-Offs / Loans | -0.03% | 0.00% | 0.01% | -0.04% | 0.22% | 1.63% | -0.04% | 1.59% | +163 bps | |
| Allowance / Loans | 1.26% | 1.25% | 1.28% | 1.30% | 1.23% | 1.22% | 1.27% | 1.25% | -5 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.4x | 0.4x | 0.4x | 0.4x | 0.5x | 0.4x | 0.6x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.53% | 9.86% | 10.22% | 10.36% | 10.81% | 10.94% | 11.02% | 11.11% | +75 bps | |
| Total Risk-Based Capital | 14.72% | 15.24% | 15.80% | 15.74% | 16.57% | 16.60% | 17.02% | 17.34% | +160 bps | |
| Equity / Assets | 9.58% | 9.95% | 10.48% | 10.25% | 10.88% | 11.27% | 11.35% | 11.11% | +86 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.95% | 92.72% | 94.51% | 90.33% | 89.49% | 100.53% | 96.72% | 89.30% | -103 bps | |
| Liquid Assets / Assets | 10.76% | 12.70% | 11.61% | 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 | n/a | n/a | n/a |