King of Prussia, PA · Cert 35312
FDIC · 6 branches
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 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.
King of Prussia, PA · Cert 35312
FDIC · 6 branches
Q1 2016
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2015 SOD (annual) · 0.0% share · #87 of 133 inst. · $0.1B of $437.1B
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 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.47% | -2.65% | -4.10% | -3.38% | -3.95% | -3.99% | -3.04% | -4.37% | -99 bps | |
| Return on Equity | -35.40% | -37.32% | -59.64% | -62.51% | -83.51% | -94.06% | -76.65% | -180.77% | -11,826 bps | |
| Net Interest Margin | 2.61% | 2.66% | 2.75% | 2.43% | 2.44% | 2.41% | 2.57% | 2.43% | -1 bps | |
| Efficiency Ratio | 194.61% | 205% | 306% | 254% | 319% | 330% | 210% | 503% | +24,917 bps | |
| Non-Interest Burden | 5.18% | 5.55% | 6.74% | 5.92% | 6.38% | 6.40% | 5.68% | 6.83% | +91 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.99% | -14.84% | -14.31% | -12.50% | -10.34% | -6.03% | -5.70% | -10.05% | +246 bps | |
| Loan Growth (YoY) | -10.36% | -13.76% | -10.64% | -7.27% | -6.92% | -11.98% | -19.05% | -20.39% | -1,312 bps | |
| Deposit Growth (YoY) | -12.85% | -15.93% | -14.84% | -9.64% | -6.08% | -1.19% | -2.67% | -7.27% | +237 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 | 0.84% | 0.59% | 1.37% | 0.00% | -0.05% | 0.36% | 0.48% | 0.47% | +47 bps | |
| Allowance / Loans | 1.87% | 1.98% | 2.00% | 2.04% | 2.07% | 2.02% | 1.99% | 1.95% | -9 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 | n/a | n/a | n/a | 5.03% | 3.90% | 2.91% | 3.00% | 2.00% | -303 bps | |
| Total Risk-Based Capital | 14.38% | 13.43% | 10.37% | 8.73% | 7.42% | 6.44% | 7.02% | 5.14% | -359 bps | |
| Equity / Assets | 7.75% | 7.51% | 5.85% | 4.96% | 3.36% | 2.74% | 2.78% | 2.04% | -292 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 58.60% | 58.88% | 60.57% | 58.11% | 58.08% | 52.45% | 50.38% | 49.89% | -822 bps | |
| Liquid Assets / Assets | 11.75% | 8.15% | 12.73% | 17.95% | 20.99% | 31.99% | 35.41% | 37.18% | +1,923 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |