Weehawken, NJ · Cert 57388
FDIC
Q2 2015
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -6.06% | -25.07% | -7.95% | -4.42% | -6.14% | -8 bps | |
| Return on Equity | -6.25% | -26.66% | -8.66% | -4.65% | -6.35% | -10 bps | |
| Net Interest Margin | 0.22% | 0.22% | 0.21% | 0.23% | 0.18% | -4 bps | |
| Efficiency Ratio | 125.48% | 245% | 129.81% | 118.28% | 126.09% | +60 bps | |
| Non-Interest Burden | 6.26% | 25.23% | 8.04% | 4.60% | 6.32% | +7 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 |