Cherry Hill, NJ · Cert 57524
FDIC · 3 branches
Q4 2017
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2017 SOD (annual) · 0.0% share · #70 of 123 inst. · $0.1B 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 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.18% | 0.28% | -0.17% | 0.37% | 0.25% | +7 bps | |
| Return on Equity | 2.73% | 4.32% | -2.55% | 5.47% | 3.75% | +102 bps | |
| Net Interest Margin | 3.54% | 3.73% | 3.78% | 3.87% | 4.08% | +54 bps | |
| Efficiency Ratio | 92.07% | 89.35% | 86.46% | 88.81% | 89.32% | -275 bps | |
| Non-Interest Burden | 3.25% | 3.32% | 3.25% | 3.43% | 3.63% | +38 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.21% | -2.31% | -0.96% | 1.71% | 1.98% | +319 bps | |
| Loan Growth (YoY) | 7.68% | 10.29% | 13.08% | 6.17% | 3.41% | -427 bps | |
| Deposit Growth (YoY) | -1.43% | -2.49% | -3.28% | 2.07% | 3.85% | +527 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 1.36% | 1.47% | 1.38% | 1.59% | +159 bps | |
| Net Charge-Offs / Loans | 1.04% | 0.35% | 0.66% | 0.27% | 0.25% | -80 bps | |
| Allowance / Loans | 1.04% | 1.00% | 1.01% | 0.97% | 0.97% | -7 bps | |
| Allowance Coverage of NPLs | n/a | 0.7x | 0.7x | 0.7x | 0.6x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 6.73% | 6.59% | 6.64% | 6.74% | 6.80% | +6 bps | |
| Total Risk-Based Capital | 10.38% | 10.37% | 10.16% | 10.47% | 10.43% | +5 bps | |
| Equity / Assets | 6.51% | 6.60% | 6.69% | 6.78% | 6.58% | +8 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 88.66% | 88.78% | 95.62% | 92.25% | 88.29% | -37 bps | |
| Liquid Assets / Assets | 9.11% | 8.81% | 4.79% | 6.20% | 9.39% | +29 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |