Newtown, PA · Cert 29132
FDIC · 19 branches
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 2014, 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.
Newtown, PA · Cert 29132
FDIC · 19 branches
Q3 2014
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2014 SOD (annual) · 0.1% share · #40 of 137 inst. · $0.6B of $510.2B
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 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.86% | 0.96% | 1.11% | 1.11% | 1.04% | 0.75% | 0.79% | 0.59% | -52 bps | |
| Return on Equity | n/a | 8.68% | 10.05% | 10.11% | 9.52% | 6.96% | 7.16% | 5.30% | -481 bps | |
| Net Interest Margin | 3.55% | 3.36% | 3.30% | 2.95% | 3.07% | 3.19% | 3.19% | 3.26% | +31 bps | |
| Efficiency Ratio | 63.03% | 60.35% | 59.55% | 64.20% | 64.45% | 70.25% | 68.29% | 76.06% | +1,186 bps | |
| Non-Interest Burden | 2.06% | 1.76% | 1.63% | 1.62% | 1.75% | 2.16% | 2.08% | 2.41% | +78 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.65% | 3.30% | 4.16% | 19.44% | 17.55% | 18.09% | 17.33% | -2.57% | -2,202 bps | |
| Loan Growth (YoY) | 8.03% | 5.99% | 2.22% | 16.27% | 16.23% | 15.30% | 15.60% | -3.29% | -1,955 bps | |
| Deposit Growth (YoY) | 2.20% | 1.90% | 4.34% | 27.58% | 22.16% | 21.04% | 19.77% | -3.19% | -3,077 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 | 0.38% | 0.53% | 0.32% | 0.23% | 0.19% | 1.65% | 0.82% | 0.63% | +40 bps | |
| Allowance / Loans | 1.30% | 1.26% | 1.30% | 1.06% | 1.06% | 0.67% | 0.68% | 0.67% | -40 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 | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 17.89% | 17.90% | 18.77% | 17.50% | 17.46% | 16.93% | 17.45% | 18.00% | +50 bps | |
| Equity / Assets | 11.06% | 11.07% | 11.10% | 10.57% | 10.76% | 10.88% | 11.27% | 11.70% | +113 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.14% | 91.35% | 91.71% | 91.27% | 89.58% | 87.02% | 88.52% | 91.18% | -9 bps | |
| Liquid Assets / Assets | 3.98% | 6.71% | 5.97% | 3.32% | 5.07% | 6.44% | 5.24% | 3.80% | +47 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |