Vineland, NJ · Cert 58464
FDIC · 4 branches
Q4 2018
Market Position · Vineland-Bridgeton, NJ · 2018 SOD (annual) · 9.3% share · #6 of 11 inst. · $0.2B of $2.6B
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 | 1.12% | 1.20% | 1.14% | 0.49% | 1.21% | 1.32% | 1.82% | 1.28% | +79 bps | |
| Return on Equity | 12.77% | 13.25% | 12.39% | 5.39% | 13.28% | 14.44% | 19.63% | 13.63% | +824 bps | |
| Net Interest Margin | 3.28% | 3.28% | 3.51% | 3.41% | 3.46% | 3.46% | 3.50% | 3.41% | 0 bps | |
| Efficiency Ratio | 55.24% | 57.05% | 55.44% | 59.21% | 57.87% | 56.19% | 53.13% | 58.44% | -77 bps | |
| Non-Interest Burden | 1.62% | 1.73% | 1.82% | 1.90% | 1.90% | 1.78% | 1.66% | 1.89% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.27% | 13.48% | 9.28% | 6.70% | 1.21% | 3.93% | 1.15% | 8.50% | +180 bps | |
| Loan Growth (YoY) | 9.17% | 14.85% | 11.11% | 11.20% | 13.04% | 12.71% | 4.05% | 3.50% | -770 bps | |
| Deposit Growth (YoY) | 16.63% | 11.25% | 9.30% | 8.34% | 2.71% | 1.07% | 0.72% | 8.05% | -29 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.15% | 0.09% | 0.03% | 0.03% | 0.03% | 0.01% | 0.01% | 0.00% | -3 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.50% | -0.17% | 0.48% | -0.05% | 0.04% | -0.78% | -0.01% | -49 bps | |
| Allowance / Loans | 1.64% | 1.71% | 1.72% | 1.61% | 1.62% | 1.58% | 1.65% | 1.62% | +1 bps | |
| Allowance Coverage of NPLs | 11.3x | 18.3x | 58.2x | 58.6x | 61.0x | 157.3x | 156.8x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.18% | 9.27% | 9.40% | 9.02% | 9.31% | 9.50% | 9.68% | 9.48% | +46 bps | |
| Total Risk-Based Capital | 13.00% | 13.39% | 13.26% | 13.07% | 12.98% | 13.14% | 14.04% | 14.31% | +124 bps | |
| Equity / Assets | 8.83% | 9.33% | 9.14% | 9.17% | 9.02% | 9.23% | 9.31% | 9.49% | +32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.65% | 71.20% | 67.99% | 72.19% | 76.66% | 79.40% | 70.24% | 69.14% | -304 bps | |
| Liquid Assets / Assets | 5.39% | 6.30% | 7.04% | 7.58% | 6.94% | 5.56% | 4.46% | 3.52% | -405 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |