Broomall, PA · Cert 29882
FDIC · 8 branches
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 2015, 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.
Broomall, PA · Cert 29882
FDIC · 8 branches
Q3 2015
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2015 SOD (annual) · 0.1% share · #52 of 133 inst. · $0.3B of $437.1B
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 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.36% | 0.51% | 0.58% | 0.61% | 0.60% | 0.25% | 0.15% | 0.39% | -21 bps | |
| Return on Equity | 2.63% | 3.64% | 4.11% | 4.24% | 4.17% | 1.69% | 1.01% | 2.61% | -163 bps | |
| Net Interest Margin | 3.25% | 3.41% | 3.41% | 3.41% | 3.45% | 3.44% | 3.45% | 3.46% | +4 bps | |
| Efficiency Ratio | 79.15% | 77.17% | 74.25% | 73.54% | 73.55% | 83.93% | 88.05% | 84.82% | +1,128 bps | |
| Non-Interest Burden | 2.54% | 2.59% | 2.50% | 2.47% | 2.50% | 2.84% | 3.03% | 2.93% | +46 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.54% | -5.71% | -4.63% | -2.80% | -1.14% | -1.63% | -2.39% | -3.50% | -69 bps | |
| Loan Growth (YoY) | 6.81% | 8.85% | 6.70% | 5.15% | 2.35% | 2.71% | 2.55% | 2.15% | -300 bps | |
| Deposit Growth (YoY) | -4.29% | -2.30% | -1.24% | 0.40% | -2.10% | -2.66% | -3.62% | -4.75% | -514 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 | 0.52% | 0.04% | 0.02% | 0.08% | 0.07% | 0.00% | 0.01% | 0.01% | -8 bps | |
| Allowance / Loans | 1.40% | 1.42% | 1.46% | 1.44% | 1.44% | 1.46% | 1.48% | 1.52% | +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 | n/a | n/a | n/a | 14.60% | 15.48% | 15.80% | n/a | |
| Total Risk-Based Capital | 22.12% | 22.35% | 22.70% | 23.02% | 23.19% | 23.27% | 24.53% | 25.69% | +267 bps | |
| Equity / Assets | 13.96% | 14.04% | 14.46% | 14.73% | 14.84% | 14.85% | 15.21% | 15.57% | +83 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.36% | 85.09% | 86.55% | 87.34% | 89.24% | 89.78% | 92.09% | 93.66% | +632 bps | |
| Liquid Assets / Assets | 16.94% | 17.54% | 16.45% | 16.79% | 16.69% | 17.09% | 16.22% | 18.60% | +181 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |