Plymouth Meeting, PA · Cert 58061
FDIC · 11 branches
Q4 2014
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Plymouth Meeting, PA · Cert 58061
FDIC · 11 branches
Q4 2014
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2014 SOD (annual) · 0.1% share · #46 of 137 inst. · $0.5B of $510.2B
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 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.39%1 | 0.47% | 0.43% | 0.44% | 0.35% | 0.33% | 0.38% | 0.48% | +5 bps | |
| Return on Equity | 3.88% | 4.76% | 4.46% | 4.65% | 4.00% | 3.77% | 4.32% | 5.38% | +73 bps | |
| Net Interest Margin | 2.89% | 2.83% | 2.75% | 2.74% | 3.00% | 3.02% | 3.00% | 3.02% | +28 bps | |
| Efficiency Ratio | 89.42% | 83.32% | 82.51% | 81.39% | 77.66% | 77.40% | 73.65% | 74.36% | -703 bps | |
| Non-Interest Burden | 2.38% | 2.07% | 2.03% | 2.00% | 2.23% | 2.23% | 2.09% | 2.14% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.39% | 13.59% | 12.84% | 8.92% | 11.25% | 7.92% | 6.69% | 2.75% | -617 bps | |
| Loan Growth (YoY) | 17.42% | 15.21% | 14.43% | 20.39% | 15.10% | 12.85% | 10.59% | 13.61% | -678 bps | |
| Deposit Growth (YoY) | 7.79% | 11.79% | 4.91% | 6.57% | 7.86% | 3.32% | 8.13% | 4.26% | -232 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 | 0.18% | 0.23% | 0.21% | 0.24% | 0.16% | 0.18% | 0.13% | 0.12% | -12 bps | |
| Allowance / Loans | 1.28% | 1.29% | 1.31% | 1.27% | 1.29% | 1.27% | 1.30% | 1.26% | -1 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 | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 16.63% | 16.32% | 15.82% | 15.41% | 15.13% | 15.22% | 15.15% | 15.03% | -37 bps | |
| Equity / Assets | 10.09% | 9.23% | 8.72% | 8.74% | 8.79% | 8.96% | 8.94% | 9.45% | +71 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.18% | 76.83% | 82.03% | 83.97% | 84.50% | 83.91% | 83.90% | 91.50% | +753 bps | |
| Liquid Assets / Assets | 2.18% | 4.06% | 4.85% | 5.03% | 6.28% | 7.33% | 7.82% | 4.17% | -86 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |