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Chase Manhattan Bank USA, National Association

Newark, DE · Cert 23702

FDIC · 1 branch

Q1 2019

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2019, the quarter ended March 31, 2019, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Chase Manhattan Bank USA, National Association

Newark, DE · Cert 23702

FDIC · 1 branch

Q1 2019

$141.4BAssets
$103.8BLoans
$54.0BDeposits
$37.0BEquity
Deposit mix
99%Interest-bearing $53.8B1%Noninterest $0.3BQ1 2018Q1 2019

NIM

8.15%Q1 ’179.13%Q1 ’189.90%Q1 ’19+9%-7%

Non-interest income vs. expense

3.96%Q1 ’174.43%Q1 ’184.42%Q1 ’19-27%+0%

Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2018 SOD (annual) · 8.7% share · #3 of 117 inst. · $42.5B of $486.3B

Executive Summary

  • Earnings: ROA of 2.49%, up 28 bps year over year; NIM at 8.05%.
  • Asset quality: problem loans at 0.93% of loans (0 bps YoY), with net charge-offs at 3.14%.
  • Capital: tier 1 leverage ratio of 19.70%, up 152 bps from a year ago.
  • Funding: loans stand at 192.13% of deposits as of Q1 2019.

Financial Results

Return on Assets (YTD, annualized)

2.49%+28 bps YoY

Net Interest Margin (YTD, annualized)

8.05%-58 bps YoY

Efficiency Ratio (YTD, annualized)

44.72%-111 bps YoY

Tier 1 Leverage Ratio

19.70%+152 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2018Q2 2018Q3 2018Q4 2018Q1 2019YoY ΔTrend
Earnings
Return on Assets2.21%1.75%1.93%2.36%2.49%+28 bps
Return on Equity8.72%6.76%7.34%8.88%9.27%+56 bps
Net Interest Margin8.64%8.11%8.08%8.10%8.05%-58 bps
Efficiency Ratio45.83%47.99%46.20%45.23%44.72%-111 bps
Non-Interest Burden2.59%3.09%2.86%2.74%2.60%+1 bps
Growth
Asset Growth (YoY)-2.86%-4.09%-2.84%-8.07%9.58%+1,244 bps
Loan Growth (YoY)-0.84%-1.17%-0.52%0.08%4.71%+555 bps
Deposit Growth (YoY)15.15%1.63%8.70%-6.98%27.01%+1,186 bps
Asset Quality
Nonperforming Loans / Loans0.93%0.82%0.82%0.89%0.93%0 bps
Net Charge-Offs / Loans3.33%3.22%3.08%2.89%3.14%-19 bps
Allowance / Loans3.39%n/an/an/an/an/a
Allowance Coverage of NPLs3.7xn/an/an/an/an/a
Capital
Tier 1 Leverage Ratio18.18%19.66%19.87%20.07%19.70%+152 bps
Total Risk-Based Capital26.37%25.31%25.68%25.44%26.49%+12 bps
Equity / Assets26.91%n/an/an/an/an/a
Liquidity & Funding
Loans / Deposits233%239%214%221%192.13%-4,092 bps
Liquid Assets / Assets8.94%0.00%0.00%0.00%0.00%-894 bps
CRE / Total Capitaln/an/an/an/an/an/an/a