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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.31% | 0.34% | -4.37% | 2.62% | 0.77% | 0.44% | 0.90% | -1.95% | -457 bps | |
| Return on Equity | 2.58% | 2.78% | -37.00% | 21.88% | 6.06% | 3.27% | 6.35% | -13.05% | -3,493 bps | |
| Net Interest Margin | 3.39% | 3.36% | 3.35% | 4.70% | 3.41% | 3.40% | 3.63% | 3.79% | -91 bps | |
| Efficiency Ratio | 87.06% | 78.80% | 77.74% | 62.76% | 79.54% | 84.26% | 75.43% | 151.54% | +8,879 bps | |
| Non-Interest Burden | 2.95% | 2.65% | 2.54% | 2.91% | 2.64% | 2.89% | 2.72% | 5.76% | +284 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.49% | -10.65% | -8.35% | -8.87% | -8.67% | -13.09% | -14.32% | -17.54% | -867 bps | |
| Loan Growth (YoY) | -10.88% | -7.39% | -10.28% | -8.29% | -5.96% | -8.86% | -8.26% | -4.68% | +361 bps | |
| Deposit Growth (YoY) | -14.33% | -12.19% | -7.17% | -8.82% | -8.30% | -14.12% | -17.66% | -20.43% | -1,161 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.04% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.60% | -0.14% | 10.10% | -0.15% | 0.00% | -0.15% | 0.06% | -0.02% | +13 bps | |
| Allowance / Loans | 1.59% | 1.68% | 1.02% | 1.03% | 1.04% | 1.14% | 1.17% | 1.10% | +7 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 30.1x | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.95% | 12.13% | 11.27% | 12.22% | 12.78% | 13.36% | 14.36% | 14.66% | +244 bps | |
| Total Risk-Based Capital | 25.77% | 26.01% | 24.09% | 26.04% | 26.35% | 27.50% | 28.68% | 30.49% | +445 bps | |
| Equity / Assets | 12.00% | 12.22% | 11.38% | 12.59% | 12.94% | 13.87% | 14.60% | 15.36% | +277 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.97% | 91.98% | 88.41% | 92.67% | 93.29% | 97.62% | 98.51% | 111.01% | +1,834 bps | |
| Liquid Assets / Assets | 18.48% | 17.14% | 18.47% | 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 | n/a | n/a | n/a |