Newark, DE · Cert 23702
FDIC · 1 branch
Q1 2019
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2018 SOD (annual) · 8.7% share · #3 of 117 inst. · $42.5B of $486.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.89% | 1.42% | -1.04% | 2.21% | 1.31% | 2.31% | 3.68% | 2.49% | +28 bps | |
| Return on Equity | 3.82% | 5.89% | -4.32% | 8.72% | 4.84% | 8.48% | 13.36% | 9.27% | +56 bps | |
| Net Interest Margin | 7.88% | 8.25% | 8.29% | 8.64% | 8.01% | 8.31% | 8.49% | 8.05% | -58 bps | |
| Efficiency Ratio | 48.60% | 43.13% | 47.38% | 45.83% | 50.36% | 42.84% | 42.57% | 44.72% | -111 bps | |
| Non-Interest Burden | 2.89% | 2.41% | 3.05% | 2.59% | 3.45% | 2.52% | 2.51% | 2.60% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.20% | 3.41% | 5.59% | -2.86% | -4.09% | -2.84% | -8.07% | 9.58% | +1,244 bps | |
| Loan Growth (YoY) | 5.61% | 3.10% | 2.40% | -0.84% | -1.17% | -0.52% | 0.08% | 4.71% | +555 bps | |
| Deposit Growth (YoY) | -31.19% | 57.02% | 48.83% | 15.15% | 1.63% | 8.70% | -6.98% | 27.01% | +1,186 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.77% | 0.82% | 0.88% | 0.93% | 0.82% | 0.82% | 0.89% | 0.93% | 0 bps | |
| Net Charge-Offs / Loans | 2.93% | 2.84% | 2.82% | 3.33% | 3.20% | 2.88% | 2.79% | 3.14% | -19 bps | |
| Allowance / Loans | 3.09% | 3.27% | 3.19% | 3.39% | n/a | n/a | n/a | n/a | n/a | |
| Allowance Coverage of NPLs | 4.0x | 4.0x | 3.6x | 3.7x | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.99% | 16.21% | 17.07% | 18.18% | 19.66% | 19.87% | 20.07% | 19.70% | +152 bps | |
| Total Risk-Based Capital | 23.56% | 24.01% | 24.48% | 26.37% | 25.31% | 25.68% | 25.44% | 26.49% | +12 bps | |
| Equity / Assets | 23.98% | 24.29% | 23.97% | 26.91% | n/a | n/a | n/a | n/a | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 246% | 234% | 206% | 233% | 239% | 214% | 221% | 192.13% | -4,092 bps | |
| Liquid Assets / Assets | 9.87% | 9.34% | 10.85% | 8.94% | 0.00% | 0.00% | 0.00% | 0.00% | -894 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |