Bristol, PA · Cert 30954
FDIC · 2 branches
Q1 2020
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2019 SOD (annual) · 0.0% share · #81 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 | 0.06% | 0.20% | 0.27% | 0.36% | 0.21% | 0.31% | 0.23% | 0.00% | -36 bps | |
| Return on Equity | 0.45% | 1.38% | 1.92% | 2.50% | 1.46% | 2.11% | 1.58% | 0.03% | -247 bps | |
| Net Interest Margin | 3.15% | 3.18% | 3.21% | 3.16% | 3.22% | 3.23% | 3.19% | 2.80% | -36 bps | |
| Efficiency Ratio | 84.72% | 82.66% | 82.45% | 82.93% | 91.54% | 87.65% | 90.56% | 106.37% | +2,344 bps | |
| Non-Interest Burden | 2.68% | 2.64% | 2.64% | 2.62% | 2.97% | 2.84% | 2.91% | 3.02% | +40 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.02% | -1.37% | -0.51% | -0.11% | -0.63% | -1.06% | 0.53% | -4.18% | -408 bps | |
| Loan Growth (YoY) | -1.80% | 1.01% | -0.55% | 0.97% | 2.41% | 0.54% | 0.71% | -7.49% | -846 bps | |
| Deposit Growth (YoY) | -7.44% | -5.48% | -4.66% | -3.53% | -3.67% | -5.72% | -2.56% | -7.03% | -350 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.56% | 0.77% | 1.57% | 1.56% | 1.54% | 1.51% | 1.49% | 1.56% | 0 bps | |
| Net Charge-Offs / Loans | 0.21% | 0.14% | 0.11% | 0.01% | 0.00% | 0.00% | 0.00% | -0.08% | -9 bps | |
| Allowance / Loans | 0.80% | 0.81% | 0.78% | 0.78% | 0.75% | 0.75% | 0.75% | 0.75% | -4 bps | |
| Allowance Coverage of NPLs | 1.4x | 1.0x | 0.5x | 0.5x | 0.5x | 0.5x | 0.5x | 0.5x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.89% | 15.05% | 15.29% | 15.19% | 15.30% | 15.49% | 15.59% | 15.54% | +35 bps | |
| Total Risk-Based Capital | 31.12% | 31.39% | 31.46% | 31.62% | 30.40% | 30.95% | 31.69% | 15.54% | -1,607 bps | |
| Equity / Assets | 14.28% | 14.54% | 14.58% | 14.43% | 14.57% | 14.91% | 14.59% | 15.06% | +63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.82% | 88.49% | 88.37% | 88.98% | 91.24% | 94.36% | 91.33% | 88.54% | -44 bps | |
| Liquid Assets / Assets | 3.95% | 3.78% | 4.99% | 4.82% | 4.04% | 3.48% | 3.54% | 6.30% | +148 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |