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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.13%1 | 0.10%1 | 0.12% | 0.13% | 0.28% | 0.06% | 0.16% | 0.18% | +5 bps | |
| Return on Equity | 2.08% | 1.59% | 1.85% | 2.08% | 4.32% | 0.87% | 2.42% | 2.75% | +68 bps | |
| Net Interest Margin | 3.52% | 3.49% | 3.63% | 3.58% | 3.73% | 3.78% | 3.81% | 3.88% | +29 bps | |
| Efficiency Ratio | 98.77% | 97.85% | 96.56% | 95.45% | 89.35% | 87.91% | 88.22% | 88.50% | -695 bps | |
| Non-Interest Burden | 3.48% | 3.41% | 3.50% | 3.42% | 3.32% | 3.31% | 3.35% | 3.42% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.18% | 2.96% | 0.39% | -1.21% | -2.31% | -0.96% | 1.71% | 1.98% | +319 bps | |
| Loan Growth (YoY) | -0.03% | 1.31% | 7.83% | 7.68% | 10.29% | 13.08% | 6.17% | 3.41% | -427 bps | |
| Deposit Growth (YoY) | 3.01% | 2.77% | 0.02% | -1.43% | -2.49% | -3.28% | 2.07% | 3.85% | +527 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 1.36% | 1.47% | 1.38% | 1.59% | +159 bps | |
| Net Charge-Offs / Loans | -0.04% | -0.07% | -0.09% | 0.20% | 0.35% | 0.50% | 0.43% | 0.38% | +18 bps | |
| Allowance / Loans | 1.30% | 1.32% | 1.31% | 1.04% | 1.00% | 1.01% | 0.97% | 0.97% | -7 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 0.7x | 0.7x | 0.7x | 0.6x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 6.39% | 6.41% | 6.74% | 6.73% | 6.59% | 6.64% | 6.74% | 6.80% | +6 bps | |
| Total Risk-Based Capital | 10.37% | 10.33% | 10.65% | 10.38% | 10.37% | 10.16% | 10.47% | 10.43% | +5 bps | |
| Equity / Assets | 6.31% | 6.58% | 6.82% | 6.51% | 6.60% | 6.69% | 6.78% | 6.58% | +8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.50% | 81.78% | 88.68% | 88.66% | 88.78% | 95.62% | 92.25% | 88.29% | -37 bps | |
| Liquid Assets / Assets | 14.74% | 12.53% | 8.64% | 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 | n/a | n/a | n/a |