West Chester, PA · Cert 35077
FDIC · 3 branches
Q2 2021
Market Position · Harrisburg-Carlisle, PA · 2021 SOD (annual) · 1.1% share · #18 of 27 inst. · $0.2B of $20.4B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.34% | -3.10% | -4.15% | 0.64% | 0.42% | 0.44% | 2.88% | 0.63% | -1 bps | |
| Return on Equity | -15.88% | -19.94% | -31.93% | 6.16% | 3.85% | 3.73% | 25.37% | 5.60% | -55 bps | |
| Net Interest Margin | 2.50% | 2.10% | 2.26% | 4.57% | 3.62% | 3.50% | 3.47% | 3.64% | -93 bps | |
| Efficiency Ratio | 190.17% | 168.31% | 136.06% | 80.74% | 76.38% | 80.08% | 92.74% | 71.78% | -896 bps | |
| Non-Interest Burden | 4.95% | 3.82% | 3.16% | 3.64% | 2.05% | 2.25% | 3.10% | 2.52% | -112 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 283% | 179.04% | 153.89% | 185.63% | 88.39% | 81.63% | 70.14% | 36.72% | -14,891 bps | |
| Loan Growth (YoY) | 213% | 398% | 299% | 270% | 192.90% | 94.32% | 100.57% | 43.71% | -22,643 bps | |
| Deposit Growth (YoY) | 238% | 306% | 228% | 157.29% | 61.39% | 53.88% | 57.90% | 74.30% | -8,300 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.17% | 0.55% | 0.17% | 0.11% | 0.07% | 0.06% | 0.28% | 0.12% | +2 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.01% | -0.01% | -0.01% | 0.01% | -0.02% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.86% | 1.00% | 1.88% | 1.31% | 1.24% | 1.28% | 1.13% | 1.16% | -15 bps | |
| Allowance Coverage of NPLs | 5.2x | 1.8x | 11.4x | 12.2x | 17.6x | 20.9x | 4.0x | 9.3x | -2.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 20.45% | 14.57% | 12.01% | 11.32% | 16.45% | 14.53% | 12.52% | 11.19% | -13 bps | |
| Total Risk-Based Capital | 29.34% | 18.96% | 15.56% | 14.33% | 18.19% | 15.86% | 15.25% | 13.60% | -73 bps | |
| Equity / Assets | 17.48% | 13.90% | 12.15% | 9.02% | 12.52% | 10.96% | 11.75% | 10.82% | +179 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.96% | 87.26% | 93.90% | 130.39% | 125.15% | 110.19% | 119.28% | 107.51% | -2,288 bps | |
| Liquid Assets / Assets | 38.32% | 4.39% | 16.62% | 11.36% | 8.36% | 1.89% | 3.08% | 6.32% | -503 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |