Bally, PA · Cert 34440
FDIC · 1 branch
Q1 2017
Market Position · Reading, PA · 2016 SOD (annual) · 0.3% share · #14 of 18 inst. · $0.0B of $15.0B
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 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.76% | 0.69% | 0.49% | 0.77% | 0.76% | 0.76% | 0.72% | 0.70% | -7 bps | |
| Return on Equity | 9.23% | 8.36% | 6.00% | 9.12% | 8.72% | 8.58% | 8.04% | 7.49% | -163 bps | |
| Net Interest Margin | 2.12% | 2.10% | 2.10% | 2.37% | 2.33% | 2.40% | 2.38% | 2.46% | +9 bps | |
| Efficiency Ratio | 47.97% | 50.56% | 55.74% | 52.12% | 52.87% | 53.44% | 51.60% | 54.63% | +251 bps | |
| Non-Interest Burden | 0.98% | 1.03% | 1.14% | 1.21% | 1.20% | 1.25% | 1.19% | 1.32% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.39% | 8.82% | 4.35% | -0.46% | -3.29% | -4.10% | -3.68% | -1.32% | -85 bps | |
| Loan Growth (YoY) | 14.45% | 20.50% | 16.46% | 15.75% | 10.31% | 3.92% | 4.38% | 3.12% | -1,264 bps | |
| Deposit Growth (YoY) | 5.50% | 9.89% | 1.17% | -4.64% | -5.53% | -6.22% | -2.79% | -0.17% | +447 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 4.77% | +477 bps | |
| Net Charge-Offs / Loans | 0.28% | 0.18% | 0.14% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.54% | 0.52% | 0.81% | 0.82% | 0.83% | 0.81% | 0.82% | 0.82% | 0 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 0.2x | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.06% | 8.04% | 7.95% | 8.28% | 8.59% | 8.98% | 9.04% | 9.23% | +95 bps | |
| Total Risk-Based Capital | 23.94% | 22.80% | 22.42% | 23.05% | 23.98% | 24.13% | 24.54% | 24.68% | +164 bps | |
| Equity / Assets | 8.24% | 8.24% | 8.26% | 8.64% | 9.23% | 9.34% | 9.28% | 9.40% | +76 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 54.28% | 57.84% | 61.19% | 63.69% | 63.38% | 64.09% | 65.71% | 65.79% | +210 bps | |
| Liquid Assets / Assets | 29.87% | 27.48% | 26.83% | 24.74% | 25.52% | 25.74% | 24.36% | 25.29% | +55 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |