Abington, PA · Cert 57125
FDIC · 1 branch
Q3 2017
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2017 SOD (annual) · 0.0% share · #102 of 123 inst. · $0.0B of $452.7B
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 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.50% | -0.20% | 0.44% | 0.66% | -0.16% | +34 bps | |
| Return on Equity | -4.17% | -1.60% | 3.27% | 4.82% | -1.13% | +304 bps | |
| Net Interest Margin | 3.89% | 3.85% | 3.40% | 3.61% | 3.80% | -8 bps | |
| Efficiency Ratio | 72.08% | 73.81% | 84.26% | 79.69% | 103.85% | +3,177 bps | |
| Non-Interest Burden | 2.76% | 2.80% | 2.89% | 2.89% | 3.95% | +118 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.87% | -8.67% | -13.09% | -14.32% | -17.54% | -867 bps | |
| Loan Growth (YoY) | -8.29% | -5.96% | -8.86% | -8.26% | -4.68% | +361 bps | |
| Deposit Growth (YoY) | -8.82% | -8.30% | -14.12% | -17.66% | -20.43% | -1,161 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.04% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 3.31% | 2.51% | -0.15% | -0.05% | -0.04% | -335 bps | |
| Allowance / Loans | 1.03% | 1.04% | 1.14% | 1.17% | 1.10% | +7 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 30.1x | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.22% | 12.78% | 13.36% | 14.36% | 14.66% | +244 bps | |
| Total Risk-Based Capital | 26.04% | 26.35% | 27.50% | 28.68% | 30.49% | +445 bps | |
| Equity / Assets | 12.59% | 12.94% | 13.87% | 14.60% | 15.36% | +277 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 92.67% | 93.29% | 97.62% | 98.51% | 111.01% | +1,834 bps | |
| Liquid Assets / Assets | 15.24% | 13.48% | 11.25% | 11.30% | 6.35% | -889 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |