Union, NJ · Cert 6431
FDIC · 15 branches
Q2 2014
Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2014 SOD (annual) · 0.1% share · #62 of 226 inst. · $1.3B of $1405.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.16% | 1.12% | 1.24% | 1.25% | 1.28% | 1.23% | 1.08% | 1.07% | -18 bps | |
| Return on Equity | 11.49% | 11.08% | 11.96% | 11.96% | 12.38% | 11.83% | 10.28% | 9.93% | -203 bps | |
| Net Interest Margin | 2.84% | 2.84% | 2.85% | 2.79% | 2.85% | 2.87% | 2.78% | 2.83% | +3 bps | |
| Efficiency Ratio | 56.70% | 48.25% | 49.83% | 48.01% | 46.84% | 47.97% | 57.43% | 51.47% | +347 bps | |
| Non-Interest Burden | 1.41% | 1.22% | 1.23% | 1.20% | 1.18% | 1.21% | 1.49% | 1.32% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.10% | 13.74% | 9.02% | 6.97% | 2.01% | 2.66% | 4.12% | 3.77% | -321 bps | |
| Loan Growth (YoY) | 20.71% | 17.88% | 11.33% | 11.88% | 9.94% | 7.83% | 12.20% | 11.44% | -45 bps | |
| Deposit Growth (YoY) | 21.79% | 16.39% | 11.09% | 9.00% | 1.63% | 2.66% | 4.47% | -0.47% | -948 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 | 0.09% | 0.05% | 0.00% | 0.01% | 0.00% | 0.09% | 0.13% | 0.04% | +2 bps | |
| Allowance / Loans | 1.18% | 1.15% | 1.16% | 1.13% | 1.06% | 1.08% | 1.08% | 1.08% | -5 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 | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 12.21% | 12.18% | 12.43% | 12.63% | 12.48% | 12.90% | 13.22% | 13.32% | +69 bps | |
| Equity / Assets | 10.04% | 10.15% | 10.53% | 10.36% | 10.35% | 10.38% | 10.69% | 10.92% | +57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.33% | 68.16% | 68.62% | 70.51% | 72.83% | 71.59% | 73.70% | 78.95% | +844 bps | |
| Liquid Assets / Assets | 9.36% | 9.70% | 5.77% | 9.24% | 10.20% | 13.94% | 13.91% | 15.45% | +621 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |