Wayne, PA · Cert 57844
FDIC · 11 branches
Q2 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2016, the quarter ended June 30, 2016, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Wayne, PA · Cert 57844
FDIC · 11 branches
Q2 2016
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2016 SOD (annual) · 0.1% share · #35 of 128 inst. · $0.6B of $449.8B
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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.46% | 0.49% | 0.41% | 0.44% | 0.51% | 0.36% | 0.50% | 0.48% | +4 bps | |
| Return on Equity | 4.35% | 4.61% | 3.93% | 4.31% | 4.97% | 3.61% | 5.81% | 5.77% | +146 bps | |
| Net Interest Margin | 3.48% | 3.43% | 3.39% | 3.32% | 3.26% | 3.07% | 3.14% | 3.31% | -1 bps | |
| Efficiency Ratio | 77.02% | 76.71% | 79.19% | 77.71% | 76.20% | 82.12% | 74.18% | 75.64% | -207 bps | |
| Non-Interest Burden | 2.55% | 2.50% | 2.60% | 2.49% | 2.40% | 2.45% | 2.22% | 2.40% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.69% | 6.05% | 12.93% | 10.99% | 8.62% | 19.92% | 12.63% | 12.29% | +130 bps | |
| Loan Growth (YoY) | 9.39% | 6.52% | 6.67% | 4.90% | 4.40% | 3.62% | 2.73% | -0.30% | -520 bps | |
| Deposit Growth (YoY) | 6.51% | 5.79% | 11.10% | 9.87% | 6.39% | 21.11% | 15.46% | 14.81% | +493 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.16% | 0.20% | 0.15% | 0.20% | 0.15% | 0.16% | 0.26% | 0.23% | +3 bps | |
| Allowance / Loans | 1.27% | 1.23% | 1.23% | 1.20% | 1.20% | 1.16% | 1.14% | 1.15% | -6 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | 10.48% | 10.21% | 10.04% | 9.34% | 7.90% | 8.44% | -177 bps | |
| Total Risk-Based Capital | 13.90% | 14.04% | 13.91% | 13.71% | 13.72% | 13.56% | 11.66% | 11.99% | -172 bps | |
| Equity / Assets | 10.29% | 10.66% | 10.14% | 9.97% | 9.96% | 9.18% | 7.94% | 7.87% | -210 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.82% | 95.81% | 92.18% | 90.81% | 91.08% | 81.97% | 82.02% | 78.86% | -1,195 bps | |
| Liquid Assets / Assets | 11.06% | 8.81% | 13.78% | 13.14% | 14.05% | 10.30% | 20.83% | 23.79% | +1,064 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |