Doylestown, PA · Cert 57804
FDIC · 4 branches
Q2 2017
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2017 SOD (annual) · 0.0% share · #63 of 123 inst. · $0.2B 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 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.36% | 0.33% | 0.29% | 0.36% | 0.39% | +3 bps | |
| Return on Equity | 3.30% | 3.04% | 2.71% | 3.21% | 3.62% | +32 bps | |
| Net Interest Margin | 3.50% | 3.54% | 3.43% | 3.58% | 3.57% | +7 bps | |
| Efficiency Ratio | 83.11% | 82.53% | 84.15% | 83.23% | 81.38% | -173 bps | |
| Non-Interest Burden | 2.85% | 2.86% | 2.84% | 2.94% | 2.86% | +1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.74% | 5.85% | 2.32% | -1.48% | 8.49% | +375 bps | |
| Loan Growth (YoY) | 6.46% | 3.46% | 4.50% | 5.64% | 6.00% | -46 bps | |
| Deposit Growth (YoY) | 6.05% | 7.50% | 2.71% | -2.41% | 11.15% | +510 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 1.53% | 1.02% | +102 bps | |
| Net Charge-Offs / Loans | 0.35% | 0.28% | 0.29% | 0.11% | 0.01% | -35 bps | |
| Allowance / Loans | 1.07% | 1.08% | 1.00% | 0.98% | 1.02% | -5 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 0.6x | 1.0x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.57% | 10.71% | 10.41% | 10.88% | 10.51% | -6 bps | |
| Total Risk-Based Capital | 13.33% | 13.03% | 12.87% | 13.07% | 13.06% | -27 bps | |
| Equity / Assets | 11.02% | 10.70% | 11.04% | 11.16% | 10.48% | -54 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 120.48% | 117.16% | 122.91% | 124.37% | 114.89% | -559 bps | |
| Liquid Assets / Assets | 5.40% | 4.85% | 2.93% | 3.22% | 6.32% | +92 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |