Lawrenceville, NJ · Cert 58471
FDIC · 8 branches
Q3 2016
Market Position · Trenton, NJ · 2016 SOD (annual) · 4.5% share · #8 of 27 inst. · $0.7B of $15.5B
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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.42% | 0.20% | 0.32% | 1.05% | 1.08% | +67 bps | |
| Return on Equity | 4.82% | 2.29% | 3.57% | 11.10% | 11.25% | +643 bps | |
| Net Interest Margin | 2.46% | 2.51% | 2.38% | 2.34% | 2.41% | -5 bps | |
| Efficiency Ratio | 86.09% | 91.35% | 88.54% | 82.74% | 83.20% | -289 bps | |
| Non-Interest Burden | 1.15% | 1.75% | 1.46% | 0.70% | 0.70% | -45 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.14% | -6.41% | -4.71% | -8.62% | -4.50% | -464 bps | |
| Loan Growth (YoY) | -1.32% | -12.01% | -7.27% | -7.95% | 3.04% | +436 bps | |
| Deposit Growth (YoY) | 2.51% | -1.59% | -3.19% | -5.74% | -5.55% | -806 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.55% | 1.25% | 0.62% | 0.08% | -0.04% | -159 bps | |
| Allowance / Loans | 2.31% | 2.38% | 2.43% | 2.45% | 2.47% | +16 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.93% | 9.03% | 9.08% | 9.43% | 9.85% | +92 bps | |
| Total Risk-Based Capital | 18.01% | 18.60% | 18.10% | 18.64% | 19.16% | +115 bps | |
| Equity / Assets | 8.98% | 9.05% | 9.08% | 10.14% | 10.21% | +124 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 60.53% | 59.84% | 60.11% | 65.56% | 66.04% | +551 bps | |
| Liquid Assets / Assets | 35.41% | 38.39% | 36.35% | 3.22% | 0.97% | -3,443 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |