Philadelphia, PA · Cert 27013
FDIC · 14 branches
Q1 2016
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2015 SOD (annual) · 0.1% share · #41 of 133 inst. · $0.5B of $437.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.46% | 0.70% | 0.62% | 0.46% | 0.58% | 1.06% | 1.10% | 0.24%1 | -22 bps | |
| Return on Equity | 5.48% | 8.17% | 7.16% | 5.18% | 6.57% | 12.00% | 12.06% | 2.50% | -268 bps | |
| Net Interest Margin | 3.72% | 3.94% | 3.71% | 3.63% | 3.59% | 3.49% | 3.72% | 3.75% | +12 bps | |
| Efficiency Ratio | 76.07% | 69.62% | 71.78% | 77.53% | 72.34% | 70.66% | 70.95% | 97.88% | +2,035 bps | |
| Non-Interest Burden | 2.80% | 2.62% | 2.61% | 2.78% | 2.51% | 2.29% | 2.52% | 3.68% | +89 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.30% | 6.96% | 0.55% | 2.54% | 4.97% | 4.75% | 3.06% | -5.28% | -783 bps | |
| Loan Growth (YoY) | 6.51% | 4.59% | 2.89% | 6.07% | 7.09% | 9.35% | 9.53% | 6.62% | +55 bps | |
| Deposit Growth (YoY) | 2.01% | 1.80% | 1.29% | 6.52% | 4.92% | 5.45% | 6.48% | 6.54% | +2 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 | 0.35% | 0.25% | 0.65% | 0.17% | 0.19% | 0.14% | 0.11% | 0.16% | -1 bps | |
| Allowance / Loans | 1.17% | 1.18% | 1.12% | 1.12% | 1.14% | 1.13% | 1.12% | 1.09% | -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 | 8.72% | 8.71% | 8.90% | 9.29% | 10.19% | +147 bps | |
| Total Risk-Based Capital | 12.58% | 12.99% | 12.93% | 12.88% | 12.82% | 12.97% | 13.12% | 13.55% | +67 bps | |
| Equity / Assets | 8.51% | 8.57% | 8.80% | 8.89% | 8.70% | 9.03% | 9.28% | 9.91% | +102 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.82% | 91.90% | 91.99% | 91.46% | 94.74% | 95.30% | 94.63% | 91.53% | +7 bps | |
| Liquid Assets / Assets | 0.69% | 0.74% | 0.56% | 0.95% | 1.92% | 0.57% | 1.09% | 3.47% | +253 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |