Huntingdon Valley, PA · Cert 29282
FDIC · 5 branches
Q4 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2016, the quarter ended December 31, 2016, 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.
Huntingdon Valley, PA · Cert 29282
FDIC · 5 branches
Q4 2016
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2016 SOD (annual) · 0.0% share · #60 of 128 inst. · $0.2B of $449.8B
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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.22% | 0.05% | 0.19%1 | -0.01% | -0.34% | -0.17% | -0.21% | -0.81% | -80 bps | |
| Return on Equity | 1.92% | 0.48% | 1.62% | -0.05% | -2.98% | -1.52% | -1.84% | -7.14% | -709 bps | |
| Net Interest Margin | 2.46% | 2.46% | 2.50% | 2.45% | 2.19% | 2.17% | 2.21% | 2.25% | -20 bps | |
| Efficiency Ratio | 88.90% | 95.81% | 96.92% | 102.91% | 137.26% | 130.64% | 127.74% | 164.35% | +6,145 bps | |
| Non-Interest Burden | 2.04% | 2.33% | 2.40% | 2.58% | 3.04% | 2.88% | 2.87% | 3.76% | +118 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.94% | -2.55% | -3.69% | -5.26% | -5.74% | -2.69% | -4.05% | -8.49% | -323 bps | |
| Loan Growth (YoY) | -5.66% | -7.96% | -14.89% | -20.35% | -11.36% | -13.72% | -9.83% | -5.69% | +1,466 bps | |
| Deposit Growth (YoY) | -1.83% | -2.92% | -4.86% | -5.54% | -4.56% | -4.00% | -7.87% | -10.51% | -497 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 | 0.27% | 0.13% | 0.09% | 0.13% | 0.06% | 0.03% | 0.22% | 0.17% | +4 bps | |
| Allowance / Loans | 0.70% | 0.69% | 0.74% | 0.73% | 0.73% | 0.73% | 0.61% | 0.61% | -12 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 | 11.21% | 11.43% | 11.90% | 11.21% | 11.11% | 11.24% | 11.44% | 11.06% | -15 bps | |
| Total Risk-Based Capital | 25.26% | 26.27% | 27.04% | 24.92% | 24.83% | 24.95% | 25.12% | 23.24% | -168 bps | |
| Equity / Assets | 11.31% | 11.78% | 12.27% | 11.17% | 11.30% | 11.41% | 11.62% | 10.98% | -19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.53% | 99.56% | 95.60% | 89.24% | 88.72% | 89.48% | 93.57% | 94.04% | +480 bps | |
| Liquid Assets / Assets | 25.40% | 22.85% | 14.18% | 15.52% | 14.87% | 13.53% | 8.89% | 7.96% | -756 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |