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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.37% | 0.11% | 0.13% | -0.13% | -0.43% | +94 bps | |
| Return on Equity | -16.36% | 1.31% | 1.54% | -1.60% | -5.14% | +1,122 bps | |
| Net Interest Margin | 2.74% | 2.66% | 2.58% | 2.48% | 2.45% | -29 bps | |
| Efficiency Ratio | 140.83% | 92.75% | 91.93% | 102.04% | 114.08% | -2,676 bps | |
| Non-Interest Burden | 3.95% | 2.44% | 2.34% | 2.53% | 2.83% | -112 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.76% | -1.10% | -0.88% | -0.20% | -3.17% | -593 bps | |
| Loan Growth (YoY) | 5.22% | -0.73% | -1.53% | -7.48% | -8.75% | -1,397 bps | |
| Deposit Growth (YoY) | -2.45% | -3.34% | -2.40% | 2.20% | 2.37% | +482 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.09% | 0.14% | 0.27% | 0.52% | 0.47% | +37 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.03% | 0.00% | 0.17% | +17 bps | |
| Allowance / Loans | 0.48% | 0.53% | 0.56% | 0.60% | 0.58% | +9 bps | |
| Allowance Coverage of NPLs | 5.3x | 3.9x | 2.1x | 1.2x | 1.2x | -4.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 7.95% | 8.04% | 8.14% | 7.95% | 7.94% | -1 bps | |
| Total Risk-Based Capital | 12.42% | 12.35% | 12.45% | 12.61% | 12.64% | +22 bps | |
| Equity / Assets | 8.20% | 8.37% | 8.50% | 8.23% | 8.37% | +17 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 107.51% | 105.46% | 104.00% | 96.36% | 95.83% | -1,168 bps | |
| Liquid Assets / Assets | 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 |