Somerset, NJ · Cert 58782
FDIC · 3 branches
Q1 2016
Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2015 SOD (annual) · 0.0% share · #187 of 219 inst. · $0.1B of $1502.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.11% | 0.37% | 0.19% | 0.13% | -0.40% | -1.09% | -0.80% | -1.18% | -130 bps | |
| Return on Equity | 1.17% | 3.88% | 2.01% | 1.35% | -4.46% | -12.26% | -8.99% | -12.83% | -1,418 bps | |
| Net Interest Margin | 3.59% | 3.76% | 3.83% | 3.69% | 3.53% | 3.70% | 3.57% | 3.71% | +2 bps | |
| Efficiency Ratio | 98.10% | 87.14% | 91.31% | 94.53% | 93.86% | 109.55% | 123.44% | 127.98% | +3,346 bps | |
| Non-Interest Burden | 3.51% | 3.19% | 3.41% | 3.43% | 3.24% | 4.08% | 4.34% | 4.93% | +150 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.97% | 7.45% | 7.57% | 14.62% | 12.02% | 4.98% | 1.23% | -12.00% | -2,662 bps | |
| Loan Growth (YoY) | 21.65% | 19.72% | 19.60% | 15.74% | 15.36% | 4.78% | -0.21% | -0.82% | -1,656 bps | |
| Deposit Growth (YoY) | 2.73% | 8.04% | 10.77% | 16.32% | 13.14% | 5.68% | 1.85% | -12.26% | -2,859 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 | 0.03% | 0.00% | 0.22% | 0.01% | 0.00% | 0.62% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 1.16% | 1.12% | 1.13% | 1.18% | 1.33% | 1.39% | 1.43% | 1.47% | +28 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 | n/a | 9.47% | 9.04% | 9.05% | 8.83% | 9.14% | -33 bps | |
| Total Risk-Based Capital | 12.52% | 11.82% | 12.05% | 12.12% | 11.67% | 11.31% | 11.68% | 12.17% | +5 bps | |
| Equity / Assets | 9.76% | 9.44% | 9.56% | 9.00% | 8.94% | 8.88% | 8.99% | 9.36% | +36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.92% | 96.15% | 99.03% | 89.65% | 94.74% | 95.33% | 97.03% | 101.34% | +1,169 bps | |
| Liquid Assets / Assets | 1.13% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |