Bryn Mawr, PA · Cert 11866
FDIC · 40 branches
Q4 2021
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2021 SOD (annual) · 0.7% share · #19 of 105 inst. · $4.1B of $607.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.00% | 1.15% | 0.97% | 1.05% | 1.47% | 1.76% | 1.52% | 0.46% | -59 bps | |
| Return on Equity | -8.14% | 9.25% | 7.74% | 8.56% | 11.90% | 13.27% | 11.03% | 3.42% | -514 bps | |
| Net Interest Margin | 3.30% | 3.12% | 2.95% | 2.98% | 3.05% | 3.11% | 3.10% | 2.99% | +1 bps | |
| Efficiency Ratio | 68.38% | 58.26% | 63.24% | 66.48% | 63.13% | 59.91% | 61.94% | 88.39% | +2,191 bps | |
| Non-Interest Burden | 1.83% | 1.25% | 1.33% | 1.55% | 1.40% | 1.27% | 1.30% | 2.41% | +87 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.55% | 11.57% | 4.77% | 3.44% | -0.16% | -5.94% | -3.31% | -7.16% | -1,061 bps | |
| Loan Growth (YoY) | 6.91% | 5.23% | 3.80% | -1.60% | -3.54% | -2.90% | -1.70% | -3.44% | -184 bps | |
| Deposit Growth (YoY) | 4.05% | 16.75% | 8.63% | 13.93% | 3.60% | -6.26% | -4.54% | -5.96% | -1,990 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.20% | 0.23% | 0.23% | 0.15% | 0.14% | 0.29% | 0.22% | 0.18% | +4 bps | |
| Net Charge-Offs / Loans | 0.43% | 0.36% | 0.24% | 0.26% | 0.07% | 0.26% | -0.02% | 0.02% | -24 bps | |
| Allowance / Loans | 1.43% | 1.48% | 1.53% | 1.48% | 1.31% | 1.08% | 1.01% | 0.88% | -59 bps | |
| Allowance Coverage of NPLs | 7.2x | 6.5x | 6.6x | 10.1x | 9.2x | 3.7x | 4.5x | 4.8x | -5.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.12% | 8.75% | 9.16% | 8.79% | 9.47% | 9.96% | 10.45% | 9.89% | +110 bps | |
| Total Risk-Based Capital | 12.33% | 12.93% | 13.27% | 12.75% | 13.11% | 13.41% | 13.98% | 14.27% | +152 bps | |
| Equity / Assets | 12.72% | 12.16% | 12.97% | 11.63% | 13.07% | 13.49% | 14.04% | 13.01% | +138 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.50% | 86.11% | 89.95% | 80.95% | 90.78% | 89.19% | 92.62% | 83.12% | +217 bps | |
| Liquid Assets / Assets | 1.31% | 8.21% | 4.62% | 1.44% | 0.57% | 1.79% | 0.65% | 9.76% | +832 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |