Vernon, NJ · Cert 58048
FDIC · 4 branches
Q4 2018
Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2018 SOD (annual) · 0.0% share · #118 of 201 inst. · $0.4B of $1824.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.65% | 0.85% | 0.87% | 0.13% | 0.89% | 0.93% | 0.96% | 1.10% | +97 bps | |
| Return on Equity | 6.84% | 8.97% | 9.29% | 1.39% | 10.16% | 10.77% | 11.23% | 12.40% | +1,101 bps | |
| Net Interest Margin | 3.32% | 3.40% | 3.37% | 3.42% | 3.37% | 3.38% | 3.44% | 3.40% | -2 bps | |
| Efficiency Ratio | 68.38% | 63.73% | 65.38% | 67.39% | 69.16% | 65.15% | 64.80% | 60.11% | -728 bps | |
| Non-Interest Burden | 2.01% | 1.88% | 1.96% | 2.03% | 2.09% | 1.95% | 2.03% | 1.85% | -18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 26.95% | 21.06% | 11.73% | 13.67% | 12.93% | 17.39% | 13.34% | 7.97% | -570 bps | |
| Loan Growth (YoY) | 20.00% | 19.58% | 15.22% | 19.25% | 13.76% | 14.77% | 13.47% | 8.38% | -1,087 bps | |
| Deposit Growth (YoY) | 33.31% | 20.32% | 12.10% | 13.59% | 10.74% | 11.10% | 6.43% | 4.99% | -860 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.62% | 0.69% | 0.73% | 0.76% | 0.71% | 0.62% | 0.65% | 0.65% | -11 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.00% | 0.05% | 0.00% | 0.00% | 0.00% | 0.00% | -5 bps | |
| Allowance / Loans | 1.06% | 1.07% | 1.08% | 1.05% | 1.07% | 1.06% | 1.08% | 1.10% | +4 bps | |
| Allowance Coverage of NPLs | 1.7x | 1.5x | 1.5x | 1.4x | 1.5x | 1.7x | 1.7x | 1.7x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.19% | 9.13% | 8.95% | 8.71% | 8.76% | 8.67% | 8.73% | 8.93% | +22 bps | |
| Total Risk-Based Capital | 11.77% | 11.62% | 11.64% | 10.78% | 10.83% | 10.82% | 11.11% | 11.33% | +55 bps | |
| Equity / Assets | 9.47% | 9.46% | 9.25% | 8.83% | 8.76% | 8.47% | 8.70% | 9.01% | +18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.16% | 103.77% | 99.40% | 103.67% | 102.89% | 107.19% | 105.97% | 107.02% | +335 bps | |
| Liquid Assets / Assets | 4.41% | 2.94% | 5.60% | 3.48% | 3.40% | 3.57% | 1.18% | 1.03% | -245 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |