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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.38% | 0.26% | 0.35% | 0.37% | 0.27% | 0.19% | 0.36% | 0.44% | +7 bps | |
| Return on Equity | 3.42% | 2.33% | 3.23% | 3.37% | 2.53% | 1.71% | 3.21% | 4.03% | +66 bps | |
| Net Interest Margin | 3.89% | 3.45% | 3.43% | 3.51% | 3.57% | 3.45% | 3.58% | 3.71% | +21 bps | |
| Efficiency Ratio | 68.86% | 85.76% | 85.49% | 80.79% | 81.38% | 89.05% | 83.23% | 79.70% | -109 bps | |
| Non-Interest Burden | 2.42% | 2.90% | 2.89% | 2.76% | 2.85% | 3.04% | 2.94% | 2.90% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.37% | 3.04% | 3.05% | 4.74% | 5.85% | 2.32% | -1.48% | 8.49% | +375 bps | |
| Loan Growth (YoY) | 10.32% | 8.36% | 7.89% | 6.46% | 3.46% | 4.50% | 5.64% | 6.00% | -46 bps | |
| Deposit Growth (YoY) | 2.92% | 3.85% | 3.70% | 6.05% | 7.50% | 2.71% | -2.41% | 11.15% | +510 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.53% | 1.02% | +102 bps | |
| Net Charge-Offs / Loans | -0.20% | 0.46% | 0.49% | 0.22% | 0.14% | 0.34% | 0.11% | -0.10% | -32 bps | |
| Allowance / Loans | 1.30% | 1.22% | 1.10% | 1.07% | 1.08% | 1.00% | 0.98% | 1.02% | -5 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | 0.6x | 1.0x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.59% | 10.29% | 10.29% | 10.57% | 10.71% | 10.41% | 10.88% | 10.51% | -6 bps | |
| Total Risk-Based Capital | 13.26% | 13.23% | 13.44% | 13.33% | 13.03% | 12.87% | 13.07% | 13.06% | -27 bps | |
| Equity / Assets | 10.97% | 10.97% | 10.67% | 11.02% | 10.70% | 11.04% | 11.16% | 10.48% | -54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 121.74% | 120.79% | 114.89% | 120.48% | 117.16% | 122.91% | 124.37% | 114.89% | -559 bps | |
| Liquid Assets / Assets | 3.66% | 4.41% | 8.01% | 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 | n/a | n/a | n/a |