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Continental Bank

Plymouth Meeting, PA · Cert 58061

FDIC · 11 branches

Q4 2014

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2014, the quarter ended December 31, 2014, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Continental Bank

Plymouth Meeting, PA · Cert 58061

FDIC · 11 branches

Q4 2014

$676.5MAssets
$441.1MLoans
$482.1MDeposits
$63.9MEquity
Loan mix
74%RE $264.5M25%C&I $87.8M1%Consumer $3.8MQ4 2013Q4 2014
Deposit mix
80%Interest-bearing $386.9M20%Noninterest $95.1MQ4 2013Q4 2014

NIM

3.53%Q4 ’123.23%Q4 ’133.45%Q4 ’14-3%+10%

Non-interest income vs. expense

3.67%Q4 ’123.24%Q4 ’132.55%Q4 ’14-7%+7%

Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2014 SOD (annual) · 0.1% share · #46 of 137 inst. · $0.5B of $510.2B

1.6% Montgomery
0.4% Chester
0.1% Philadelphia

Executive Summary

  • Earnings: ROA of 0.48%, up 5 bps year over year; NIM at 3.02%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.12%.
  • Funding: loans stand at 91.50% of deposits as of Q4 2014.

Financial Results

Return on Assets (YTD, annualized)

0.48%+5 bps YoY

Net Interest Margin (YTD, annualized)

3.02%+28 bps YoY

Efficiency Ratio (YTD, annualized)

74.36%-703 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014YoY ΔTrend
Earnings
Return on Assets0.44%0.35%0.33%0.38%0.48%+5 bps
Return on Equity4.65%4.00%3.77%4.32%5.38%+73 bps
Net Interest Margin2.74%3.00%3.02%3.00%3.02%+28 bps
Efficiency Ratio81.39%77.66%77.40%73.65%74.36%-703 bps
Non-Interest Burden2.00%2.23%2.23%2.09%2.14%+14 bps
Growth
Asset Growth (YoY)8.92%11.25%7.92%6.69%2.75%-617 bps
Loan Growth (YoY)20.39%15.10%12.85%10.59%13.61%-678 bps
Deposit Growth (YoY)6.57%7.86%3.32%8.13%4.26%-232 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.24%0.16%0.18%0.13%0.12%-12 bps
Allowance / Loans1.27%1.29%1.27%1.30%1.26%-1 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital15.41%15.13%15.22%15.15%15.03%-37 bps
Equity / Assets8.74%8.79%8.96%8.94%9.45%+71 bps
Liquidity & Funding
Loans / Deposits83.97%84.50%83.91%83.90%91.50%+753 bps
Liquid Assets / Assets5.03%6.28%7.33%7.82%4.17%-86 bps
CRE / Total Capitaln/an/an/an/an/an/an/a