Iselin, NJ · Cert 57983
FDIC · 5 branches
Q1 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2018, the quarter ended March 31, 2018, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Iselin, NJ · Cert 57983
FDIC · 5 branches
Q1 2018
Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2017 SOD (annual) · 0.0% share · #153 of 210 inst. · $0.2B of $1816.5B
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 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.33% | -0.12% | -0.16% | -0.52% | -0.36% | 0.02%1 | 0.04%1 | 0.58% | +110 bps | |
| Return on Equity | 3.96% | -1.50% | -1.96% | -6.40% | -4.51% | 0.28% | 0.52% | 6.78% | +1,318 bps | |
| Net Interest Margin | 3.38% | 3.34% | 3.48% | 3.70% | 3.70% | 3.74% | 3.82% | 3.61% | -9 bps | |
| Efficiency Ratio | 94.07% | 101.11% | 101.34% | 108.03% | 105.08% | 98.27% | 97.85% | 84.99% | -2,304 bps | |
| Non-Interest Burden | 3.14% | 3.38% | 3.53% | 4.04% | 3.90% | 3.67% | 3.73% | 3.03% | -101 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.71% | -6.21% | -5.19% | -3.46% | -0.64% | -1.98% | -0.94% | -4.98% | -152 bps | |
| Loan Growth (YoY) | -3.51% | -1.29% | 4.48% | 12.27% | 18.51% | 15.19% | 6.43% | -1.50% | -1,377 bps | |
| Deposit Growth (YoY) | 0.45% | -6.82% | -5.75% | -3.44% | -5.14% | -3.38% | -1.58% | -7.99% | -455 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 4.59% | 4.74% | 3.54% | 6.24% | 7.92% | +333 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | 0.36% | -0.08% | -0.02% | 0.00% | -0.01% | -0.04% | +4 bps | |
| Allowance / Loans | 1.30% | 1.43% | 1.05% | 1.07% | 1.07% | 1.08% | 1.10% | 1.14% | +7 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 0.2x | 0.2x | 0.3x | 0.2x | 0.1x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.27% | 8.04% | 8.28% | 8.15% | 7.98% | 8.19% | 8.42% | 8.65% | +50 bps | |
| Total Risk-Based Capital | 11.97% | 11.57% | 11.18% | 10.74% | 10.27% | 11.19% | 11.19% | 11.79% | +105 bps | |
| Equity / Assets | 8.38% | 8.34% | 8.27% | 8.07% | 7.90% | 8.41% | 8.40% | 8.79% | +72 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.87% | 88.20% | 95.32% | 99.58% | 106.02% | 105.15% | 103.08% | 106.60% | +703 bps | |
| Liquid Assets / Assets | 17.20% | 14.72% | 13.43% | 11.10% | 10.40% | 6.57% | 5.98% | 5.90% | -520 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |