Hatboro, PA · Cert 28888
FDIC · 10 branches
Q2 2016
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2016 SOD (annual) · 0.2% share · #33 of 128 inst. · $0.7B of $449.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.68% | 0.86% | 0.87% | 1.18% | 0.89% | 0.80% | 0.96% | -2.72% | -390 bps | |
| Return on Equity | 5.12% | 6.33% | 6.63% | 9.04% | 6.57% | 5.91% | 7.09% | -19.33% | -2,837 bps | |
| Net Interest Margin | 3.08% | 3.06% | 3.13% | 3.11% | 3.04% | 2.96% | 3.01% | 3.02% | -9 bps | |
| Efficiency Ratio | 55.86% | 61.90% | 60.55% | 62.85% | 64.60% | 64.73% | 58.53% | 174.72% | +11,187 bps | |
| Non-Interest Burden | 1.59% | 1.78% | 1.78% | 1.84% | 1.86% | 1.79% | 1.62% | 5.52% | +368 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.00% | -1.86% | 3.74% | -1.35% | 2.28% | 2.46% | 0.43% | -0.72% | +63 bps | |
| Loan Growth (YoY) | 1.37% | 0.42% | 8.54% | 0.53% | 3.98% | 5.87% | 2.91% | 6.16% | +564 bps | |
| Deposit Growth (YoY) | -2.53% | 4.50% | 14.46% | 2.30% | 6.88% | 6.48% | 0.07% | 1.05% | -125 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 | 1.09% | 0.39% | 0.01% | -0.45% | -0.10% | 0.08% | 0.02% | 0.45% | +89 bps | |
| Allowance / Loans | 1.54% | 1.46% | 1.46% | 1.45% | 1.42% | 1.36% | 1.34% | 1.36% | -9 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 | 13.04% | 13.30% | 13.64% | 13.52% | 13.74% | 14.01% | +71 bps | |
| Total Risk-Based Capital | 20.22% | 20.02% | 17.35% | 17.91% | 17.95% | 17.68% | 17.63% | 17.79% | -12 bps | |
| Equity / Assets | 13.54% | 13.56% | 12.75% | 13.41% | 13.59% | 13.45% | 13.74% | 14.37% | +96 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 103.92% | 99.50% | 91.86% | 99.78% | 101.10% | 98.93% | 94.46% | 104.84% | +505 bps | |
| Liquid Assets / Assets | 15.39% | 16.75% | 16.35% | 15.02% | 14.62% | 13.53% | 12.99% | 14.00% | -102 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |