Bristol, PA · Cert 28835
FDIC · 11 branches
Q2 2015
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2015 SOD (annual) · 0.1% share · #39 of 133 inst. · $0.6B 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 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.70% | 0.72% | 0.68% | 0.66% | 0.69% | 0.58% | 0.57% | 0.58% | -7 bps | |
| Return on Equity | 6.44% | 6.71% | 6.33% | 6.11% | 6.44% | 5.38% | 5.22% | 5.36% | -75 bps | |
| Net Interest Margin | 2.98% | 2.98% | 3.07% | 3.03% | 3.02% | 3.00% | 3.15% | 3.07% | +5 bps | |
| Efficiency Ratio | 70.25% | 69.87% | 75.25% | 72.85% | 71.96% | 75.25% | 73.09% | 71.94% | -91 bps | |
| Non-Interest Burden | 1.98% | 1.97% | 2.26% | 2.15% | 2.11% | 2.20% | 2.25% | 2.14% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.11% | 6.36% | 3.97% | 4.85% | 5.38% | 8.12% | 6.44% | 5.96% | +111 bps | |
| Loan Growth (YoY) | 9.58% | 10.61% | 9.00% | 9.31% | 5.35% | 8.80% | 11.32% | 9.88% | +58 bps | |
| Deposit Growth (YoY) | 3.29% | 4.42% | 5.09% | 4.68% | 2.61% | 3.13% | 2.06% | -0.14% | -482 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 | -0.09% | -0.05% | -0.02% | -0.01% | -0.01% | -0.01% | 0.03% | 0.04% | +4 bps | |
| Allowance / Loans | 0.89% | 0.86% | 0.86% | 0.86% | 0.84% | 0.85% | 0.86% | 0.87% | +1 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 | n/a | 11.15% | 11.23% | n/a | |
| Total Risk-Based Capital | 19.00% | 18.96% | 19.13% | 18.86% | 18.54% | 18.17% | 16.11% | 15.85% | -301 bps | |
| Equity / Assets | 10.48% | 10.53% | 10.81% | 10.84% | 10.87% | 10.79% | 11.10% | 10.83% | -1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.57% | 88.30% | 86.97% | 86.71% | 89.91% | 93.16% | 94.87% | 95.42% | +871 bps | |
| Liquid Assets / Assets | 12.31% | 11.98% | 12.69% | 12.60% | 12.51% | 12.29% | 10.64% | 10.88% | -171 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |