Pennsville, NJ · Cert 34951
FDIC · 4 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.
Pennsville, NJ · Cert 34951
FDIC · 4 branches
Q4 2016
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2016 SOD (annual) · 0.0% share · #77 of 128 inst. · $0.1B 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 | -0.28% | -3.87% | -4.25% | -3.63% | -1.21% | -1.02% | -1.35% | -1.30% | +233 bps | |
| Return on Equity | -5.44% | -85.81% | -106.31% | -97.42% | -51.74% | -44.51% | -62.01% | -64.31% | +3,311 bps | |
| Net Interest Margin | 2.75% | 2.70% | 2.88% | 3.12% | 2.86% | 3.08% | 3.05% | 3.08% | -3 bps | |
| Efficiency Ratio | 107.08% | 135.93% | 137.04% | 139.66% | 140.08% | 132.13% | 145.33% | 143.41% | +375 bps | |
| Non-Interest Burden | 2.95% | 3.73% | 4.01% | 4.41% | 4.06% | 4.11% | 4.46% | 4.46% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.74% | -9.34% | -15.72% | -21.13% | -24.36% | -20.58% | -17.17% | -12.42% | +871 bps | |
| Loan Growth (YoY) | -1.34% | -8.34% | -10.77% | -14.79% | -16.27% | -17.48% | -17.55% | -13.54% | +125 bps | |
| Deposit Growth (YoY) | 2.89% | -5.82% | -11.75% | -18.99% | -24.74% | -19.26% | -14.87% | -9.52% | +947 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 | 4.14% | 5.45% | 5.20% | 5.33% | 0.08% | 0.40% | 0.27% | 0.36% | -496 bps | |
| Allowance / Loans | 3.18% | 3.84% | 4.16% | 3.42% | 3.51% | 3.54% | 3.63% | 3.60% | +17 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 | 4.84% | 3.09% | 2.13% | 2.42% | 2.20% | 2.08% | 1.69% | 1.44% | -98 bps | |
| Total Risk-Based Capital | 8.20% | 5.95% | 4.20% | 4.48% | 4.20% | 4.09% | 3.50% | 3.19% | -129 bps | |
| Equity / Assets | 5.01% | 3.29% | 2.24% | 2.42% | 2.25% | 2.20% | 1.77% | 1.40% | -103 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.62% | 80.70% | 85.03% | 84.59% | 86.35% | 82.47% | 82.36% | 80.83% | -376 bps | |
| Liquid Assets / Assets | 0.41% | 2.02% | 1.66% | 2.36% | 3.69% | 4.13% | 3.87% | 4.94% | +257 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |