Freehold, NJ · Cert 58664
FDIC · 2 branches
Q1 2018
Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2017 SOD (annual) · 0.0% share · #178 of 210 inst. · $0.1B of $1816.5B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.25% | -1.55% | -1.39% | -0.88% | -1.06% | -1.45% | -1.24% | -1.11% | -22 bps | |
| Return on Equity | -20.62% | -14.78% | -13.96% | -9.36% | -11.39% | -15.87% | -14.08% | -12.66% | -330 bps | |
| Net Interest Margin | 2.90% | 2.85% | 2.95% | 2.78% | 2.74% | 2.93% | 3.37% | 2.89% | +10 bps | |
| Efficiency Ratio | 166.82% | 149.26% | 144.21% | 130.04% | 134.84% | 145.18% | 132.83% | 135.57% | +553 bps | |
| Non-Interest Burden | 5.16% | 4.38% | 4.38% | 3.69% | 3.80% | 4.38% | 4.55% | 3.99% | +29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -21.80% | -19.29% | -5.33% | 3.77% | 0.27% | 1.65% | -1.94% | -9.11% | -1,288 bps | |
| Loan Growth (YoY) | -12.90% | -7.24% | 5.67% | 10.04% | 12.85% | 16.59% | 2.86% | 2.95% | -709 bps | |
| Deposit Growth (YoY) | -21.69% | -18.68% | -4.33% | 6.01% | 1.87% | 3.21% | -0.89% | -8.80% | -1,481 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 1.98% | 2.51% | 3.85% | 1.89% | 1.84% | -14 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.22% | 0.00% | -0.01% | 0.53% | 0.00% | 0.00% | 0.15% | +16 bps | |
| Allowance / Loans | 2.20% | 2.25% | 2.09% | 2.13% | 1.87% | 1.80% | 1.90% | 1.89% | -24 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 1.1x | 0.7x | 0.5x | 1.0x | 1.0x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.67% | 10.15% | 10.16% | 9.67% | 9.20% | 8.99% | 8.67% | 8.69% | -98 bps | |
| Total Risk-Based Capital | 15.23% | 14.96% | 14.08% | 13.94% | 12.87% | 12.11% | 12.45% | 12.32% | -162 bps | |
| Equity / Assets | 10.62% | 10.37% | 9.62% | 9.26% | 9.31% | 8.94% | 8.65% | 8.85% | -41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.72% | 78.67% | 81.23% | 78.53% | 86.09% | 88.88% | 84.31% | 88.65% | +1,012 bps | |
| Liquid Assets / Assets | 19.40% | 18.41% | 14.17% | 16.66% | 9.52% | 6.89% | 10.77% | 6.98% | -968 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |