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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | -7.52% | -5.08% | -1.49% | -1.21% | -0.82% | -2.04% | -1.17% | +31 bps | |
| Return on Equity | -5.44% | -179.25% | -182.04% | -63.76% | -51.74% | -36.91% | -102.39% | -74.01% | -1,024 bps | |
| Net Interest Margin | 2.75% | 2.58% | 2.74% | 2.91% | 2.86% | 3.19% | 2.62% | 2.98% | +7 bps | |
| Efficiency Ratio | 107.08% | 166.75% | 139.50% | 148.69% | 140.08% | 124.64% | 180.71% | 137.55% | -1,114 bps | |
| Non-Interest Burden | 2.95% | 4.44% | 3.87% | 4.34% | 4.06% | 4.00% | 4.66% | 4.15% | -19 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% | 6.58% | 4.43% | 4.42% | 0.08% | 0.71% | -0.01% | 0.62% | -380 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 |