Philadelphia, PA · Cert 29281
FDIC · 4 branches
Q1 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2020, the quarter ended March 31, 2020, 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.
Philadelphia, PA · Cert 29281
FDIC · 4 branches
Q1 2020
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2019 SOD (annual) · 0.0% share · #68 of 109 inst. · $0.1B of $459.9B
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 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.01% | -0.03% | -0.10% | -1.37% | -0.63% | -0.38% | -0.32% | -0.43% | +94 bps | |
| Return on Equity | -0.07% | -0.40% | -1.17% | -16.36% | -7.58% | -4.55% | -3.82% | -5.14% | +1,122 bps | |
| Net Interest Margin | 2.70% | 2.72% | 2.71% | 2.74% | 2.71% | 2.68% | 2.59% | 2.45% | -29 bps | |
| Efficiency Ratio | 100.58% | 100.91% | 103.40% | 140.83% | 117.14% | 108.98% | 107.31% | 114.08% | -2,676 bps | |
| Non-Interest Burden | 2.71% | 2.74% | 2.81% | 3.95% | 3.21% | 2.94% | 2.80% | 2.83% | -112 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.59% | 0.93% | 2.99% | 2.76% | -1.10% | -0.88% | -0.20% | -3.17% | -593 bps | |
| Loan Growth (YoY) | 2.70% | 1.75% | 4.25% | 5.22% | -0.73% | -1.53% | -7.48% | -8.75% | -1,397 bps | |
| Deposit Growth (YoY) | -0.25% | -2.86% | -1.49% | -2.45% | -3.34% | -2.40% | 2.20% | 2.37% | +482 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.33% | 0.17% | 0.06% | 0.09% | 0.14% | 0.27% | 0.52% | 0.47% | +37 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.03% | 0.06% | 0.00% | 0.00% | 0.01% | 0.01% | 0.17% | +17 bps | |
| Allowance / Loans | 0.47% | 0.49% | 0.45% | 0.48% | 0.53% | 0.56% | 0.60% | 0.58% | +9 bps | |
| Allowance Coverage of NPLs | 1.4x | 2.8x | 8.0x | 5.3x | 3.9x | 2.1x | 1.2x | 1.2x | -4.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.54% | 8.55% | 8.41% | 7.95% | 8.04% | 8.14% | 7.95% | 7.94% | -1 bps | |
| Total Risk-Based Capital | 12.81% | 13.31% | 11.11% | 12.42% | 12.35% | 12.45% | 12.61% | 12.64% | +22 bps | |
| Equity / Assets | 8.68% | 8.78% | 8.52% | 8.20% | 8.37% | 8.50% | 8.23% | 8.37% | +17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.68% | 103.09% | 106.44% | 107.51% | 105.46% | 104.00% | 96.36% | 95.83% | -1,168 bps | |
| Liquid Assets / Assets | 6.02% | 6.18% | 5.31% | 6.06% | 6.92% | 7.11% | 12.21% | 9.86% | +379 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |