Jackson Township, NJ · Cert 58713
FDIC · 3 branches
Q2 2016
Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2016 SOD (annual) · 0.0% share · #136 of 214 inst. · $0.3B of $1658.1B
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 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.39% | 0.46% | 0.37% | 0.47% | 0.50% | 0.55% | 0.48% | -0.71% | -119 bps | |
| Return on Equity | 4.17% | 4.79% | 3.71% | 4.81% | 5.08% | 5.65% | 5.14% | -8.03% | -1,284 bps | |
| Net Interest Margin | 3.13% | 3.07% | 3.27% | 3.28% | 3.20% | 3.17% | 3.32% | 3.34% | +6 bps | |
| Efficiency Ratio | 75.40% | 72.04% | 76.22% | 73.80% | 73.43% | 71.50% | 74.11% | 122.76% | +4,895 bps | |
| Non-Interest Burden | 2.24% | 2.08% | 2.45% | 2.34% | 2.25% | 2.17% | 2.40% | 4.17% | +184 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.15% | 28.18% | 25.27% | 22.39% | 14.27% | 10.88% | 13.30% | 15.21% | -718 bps | |
| Loan Growth (YoY) | 42.75% | 25.91% | 29.95% | 25.12% | 21.40% | 24.76% | 19.53% | 19.59% | -553 bps | |
| Deposit Growth (YoY) | 16.30% | 28.08% | 24.98% | 22.84% | 15.98% | 11.82% | 14.41% | 17.79% | -505 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.33% | 1.38% | 1.39% | 1.35% | 1.34% | 1.31% | 1.32% | 1.29% | -6 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 | n/a | 9.92% | 10.06% | 9.75% | 9.67% | 9.51% | 7.89% | -217 bps | |
| Total Risk-Based Capital | 14.75% | 14.18% | 13.25% | 12.68% | 12.76% | 12.21% | 12.35% | 10.56% | -212 bps | |
| Equity / Assets | 10.53% | 9.86% | 9.85% | 9.86% | 9.77% | 9.43% | 9.35% | 7.93% | -193 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.32% | 85.12% | 89.19% | 92.75% | 93.50% | 94.96% | 93.18% | 94.17% | +142 bps | |
| Liquid Assets / Assets | 12.49% | 15.16% | 13.08% | 9.09% | 10.00% | 7.34% | 10.18% | 5.13% | -396 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |