Delanco, NJ · Cert 28631
FDIC · 2 branches
Q1 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2018, the quarter ended March 31, 2018, 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.
Delanco, NJ · Cert 28631
FDIC · 2 branches
Q1 2018
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2017 SOD (annual) · 0.0% share · #77 of 123 inst. · $0.1B of $452.7B
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 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.03% | 0.04% | 0.06% | 0.15% | 0.17% | 0.23% | -0.18% | -0.16% | -31 bps | |
| Return on Equity | 0.30% | 0.45% | 0.60% | 1.48% | 1.70% | 2.20% | -1.76% | -1.57% | -305 bps | |
| Net Interest Margin | 2.96% | 2.88% | 2.86% | 2.96% | 2.98% | 3.02% | 2.96% | 3.06% | +10 bps | |
| Efficiency Ratio | 104.60% | 101.63% | 99.36% | 92.04% | 89.85% | 88.51% | 92.55% | 107.73% | +1,569 bps | |
| Non-Interest Burden | 3.04% | 2.89% | 2.80% | 2.69% | 2.63% | 2.63% | 2.70% | 3.28% | +59 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.55% | 0.95% | -0.31% | -1.89% | -0.82% | -1.42% | -1.09% | -2.58% | -69 bps | |
| Loan Growth (YoY) | 2.54% | 1.55% | -0.82% | 2.53% | 0.21% | 0.52% | 0.78% | -2.74% | -527 bps | |
| Deposit Growth (YoY) | 3.17% | 3.65% | 2.04% | 0.17% | -0.27% | -1.05% | -1.02% | -2.75% | -292 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 3.75% | 3.19% | 2.51% | 2.73% | 3.03% | -72 bps | |
| Net Charge-Offs / Loans | -0.17% | 0.00% | 0.07% | 0.07% | -0.02% | -0.12% | -0.12% | -0.02% | -9 bps | |
| Allowance / Loans | 1.32% | 1.23% | 1.21% | 1.17% | 1.18% | 1.19% | 1.19% | 1.22% | +4 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 0.3x | 0.4x | 0.5x | 0.4x | 0.4x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.90% | 8.86% | 8.96% | 9.23% | 9.26% | 9.51% | 9.28% | 9.58% | +35 bps | |
| Total Risk-Based Capital | 17.45% | 17.46% | 17.61% | 17.60% | 17.78% | 18.14% | 18.12% | 18.30% | +70 bps | |
| Equity / Assets | 10.10% | 9.99% | 10.02% | 10.27% | 10.38% | 10.40% | 9.96% | 10.27% | 0 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.31% | 74.07% | 72.70% | 75.62% | 75.67% | 75.24% | 74.03% | 75.63% | +1 bps | |
| Liquid Assets / Assets | 24.97% | 26.54% | 26.99% | 24.50% | 25.27% | 25.40% | 26.50% | 25.24% | +74 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |