Weehawken, NJ · Cert 57388
FDIC
Q2 2015
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 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -4.48% | -11.24% | -10.49% | -4.42% | -5.25% | -77 bps | |
| Return on Equity | -4.61% | -11.79% | -11.03% | -4.65% | -5.49% | -88 bps | |
| Net Interest Margin | 0.22% | 0.22% | 0.22% | 0.23% | 0.21% | -1 bps | |
| Efficiency Ratio | 118.94% | 152.34% | 145.89% | 118.28% | 122.07% | +313 bps | |
| Non-Interest Burden | 4.70% | 11.57% | 10.76% | 4.60% | 5.56% | +86 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.22% | -0.39% | -6.70% | -11.81% | -9.47% | -624 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | n/a | n/a | 93.52% | 95.96% | n/a | |
| Total Risk-Based Capital | 116.71% | 93.11% | 97.16% | 458% | 465% | +34,812 bps | |
| Equity / Assets | 98.27% | 89.91% | 93.63% | 96.65% | 96.68% | -159 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 92.05% | 90.04% | 88.31% | 92.23% | 91.74% | -32 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |