Philadelphia, PA · Cert 57282
FDIC · 347 branches
Q4 2018
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2018 SOD (annual) · 3.8% share · #7 of 117 inst. · $18.5B of $486.3B
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 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.91% | 0.94% | 1.01% | 1.01% | 1.06% | +15 bps | |
| Return on Equity | 8.73% | 9.02% | 9.75% | 9.78% | 10.19% | +146 bps | |
| Net Interest Margin | 2.45% | 2.51% | 2.48% | 2.55% | 2.63% | +19 bps | |
| Efficiency Ratio | 61.27% | 61.47% | 59.91% | 59.26% | 58.43% | -285 bps | |
| Non-Interest Burden | 1.20% | 1.28% | 1.19% | 1.20% | 1.20% | 0 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.59% | -2.86% | -0.20% | -0.99% | -5.12% | -153 bps | |
| Loan Growth (YoY) | -7.62% | -8.56% | -6.85% | -4.18% | -4.52% | +310 bps | |
| Deposit Growth (YoY) | 4.16% | 4.67% | 4.93% | -0.33% | -5.50% | -966 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.84% | 0.73% | 0.74% | 0.79% | 0.74% | -10 bps | |
| Net Charge-Offs / Loans | 0.24% | 0.14% | 0.13% | 0.18% | 0.17% | -7 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.74% | 8.64% | 8.53% | 8.75% | 9.04% | +30 bps | |
| Total Risk-Based Capital | 13.88% | 13.65% | 13.73% | 13.89% | 14.07% | +20 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Deposits | 59.99% | 58.30% | 58.56% | 60.16% | 60.61% | +62 bps | |
| Liquid Assets / Assets | 7.40% | 7.18% | 6.98% | 6.83% | 6.91% | -50 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |