Upper Darby, PA · Cert 26947
FDIC · 5 branches
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 2015, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Upper Darby, PA · Cert 26947
FDIC · 5 branches
Q3 2015
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2015 SOD (annual) · 0.0% share · #73 of 133 inst. · $0.1B of $437.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.36% | 0.41% | 0.29% | 0.21% | 0.14% | 0.21% | 0.28% | 0.30% | +9 bps | |
| Return on Equity | 2.91% | 3.19% | 2.23% | 1.61% | 1.11% | 1.54% | 2.03% | 2.20% | +59 bps | |
| Net Interest Margin | 3.73% | 3.67% | 3.64% | 3.58% | 3.64% | 3.60% | 3.67% | 3.64% | +6 bps | |
| Efficiency Ratio | 92.49% | 95.86% | 98.08% | 96.87% | 97.01% | 91.57% | 90.54% | 89.02% | -785 bps | |
| Non-Interest Burden | 3.48% | 3.57% | 3.63% | 3.53% | 3.59% | 3.35% | 3.37% | 3.27% | -26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.35% | -3.02% | -1.42% | -0.82% | 2.57% | -4.38% | -6.99% | -3.75% | -292 bps | |
| Loan Growth (YoY) | -7.90% | -5.83% | -6.79% | -2.18% | -8.36% | -4.70% | -1.49% | -2.91% | -73 bps | |
| Deposit Growth (YoY) | -2.88% | -3.64% | -2.57% | -1.70% | -2.07% | -5.55% | -7.71% | -4.02% | -232 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 | 0.24% | -0.05% | 0.37% | 0.32% | 0.24% | 0.02% | 0.14% | 0.09% | -23 bps | |
| Allowance / Loans | 2.06% | 1.95% | 1.69% | 1.64% | 1.74% | 1.74% | 1.67% | 1.67% | +3 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 | 13.57% | 13.95% | 13.85% | n/a | |
| Total Risk-Based Capital | 19.37% | 20.14% | 20.50% | 19.92% | 20.84% | 19.94% | 19.54% | 19.56% | -36 bps | |
| Equity / Assets | 12.74% | 12.98% | 13.27% | 12.97% | 12.79% | 13.86% | 14.22% | 13.67% | +70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.58% | 81.21% | 80.15% | 80.02% | 79.15% | 81.94% | 85.55% | 80.95% | +93 bps | |
| Liquid Assets / Assets | 12.07% | 14.79% | 14.84% | 12.40% | 1.91% | 6.83% | 2.27% | 8.07% | -433 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |