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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.25% | 0.41% | 0.35% | 0.48% | -0.48% | 0.32% | 1.77% | 1.16% | +68 bps | |
| Return on Equity | -2.96% | 4.78% | 4.14% | 5.54% | -5.28% | 3.57% | 18.43% | 11.40% | +586 bps | |
| Net Interest Margin | 2.39% | 2.34% | 2.42% | 2.52% | 2.40% | 2.38% | 2.34% | 2.48% | -4 bps | |
| Efficiency Ratio | 77.77% | 85.92% | 86.63% | 85.65% | 117.03% | 88.54% | 78.61% | 83.98% | -167 bps | |
| Non-Interest Burden | 1.11% | 1.06% | 1.11% | 1.25% | 3.43% | 1.46% | -0.03% | 0.68% | -57 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 28.44% | 15.63% | 8.99% | 0.14% | -6.41% | -4.71% | -8.62% | -4.50% | -464 bps | |
| Loan Growth (YoY) | 19.09% | 4.35% | 2.77% | -1.32% | -12.01% | -7.27% | -7.95% | 3.04% | +436 bps | |
| Deposit Growth (YoY) | 13.71% | 8.91% | 3.76% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 3.41% | 1.28% | 1.79% | 1.37% | 0.08% | 0.62% | -0.44% | -0.26% | -163 bps | |
| Allowance / Loans | 2.33% | 2.43% | 2.18% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | 8.50% | 8.62% | 8.93% | 9.03% | 9.08% | 9.43% | 9.85% | +92 bps | |
| Total Risk-Based Capital | 18.25% | 17.07% | 16.84% | 18.01% | 18.60% | 18.10% | 18.64% | 19.16% | +115 bps | |
| Equity / Assets | 8.41% | 8.66% | 8.48% | 8.98% | 9.05% | 9.08% | 10.14% | 10.21% | +124 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.92% | 62.75% | 67.14% | 60.53% | 59.84% | 60.11% | 65.56% | 66.04% | +551 bps | |
| Liquid Assets / Assets | 34.05% | 34.24% | 33.35% | 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 | n/a | n/a | n/a |