Continental Bank

Plymouth Meeting, PA · Cert 58061

FDIC · 11 branches

Q4 2014

$676.5MAssets

$441.1MLoans

$482.1MDeposits

$63.9MEquity

Loan mix

Deposit mix

NIM

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

Earnings: ROA of 0.77%, up 31 bps year over year; NIM at 3.07%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.11%.
Funding: loans stand at 91.50% of deposits as of Q4 2014.

Return on Assets (quarter, annualized)

0.77%+31 bps YoY

Net Interest Margin (quarter, annualized)

3.07%+12 bps YoY

Efficiency Ratio (quarter, annualized)

76.54%-139 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q4 2013	Q1 2014	Q2 2014	Q3 2014	Q4 2014	YoY Δ	Trend
Earnings
Return on Assets	0.46%	0.35%	0.32%	0.48%	0.77%	+31 bps
Return on Equity	5.32%	4.00%	3.55%	5.38%	8.40%	+308 bps
Net Interest Margin	2.95%	3.00%	3.07%	3.07%	3.07%	+12 bps
Efficiency Ratio	77.92%	77.66%	77.15%	66.27%	76.54%	-139 bps
Non-Interest Burden	2.10%	2.23%	2.26%	1.89%	2.28%	+18 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 / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.35%	0.16%	0.19%	0.04%	0.11%	-24 bps
Allowance / Loans	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
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	15.41%	15.13%	15.22%	15.15%	15.03%	-37 bps
Equity / Assets	8.74%	8.79%	8.96%	8.94%	9.45%	+71 bps
Liquidity & Funding
Loans / Deposits	83.97%	84.50%	83.91%	83.90%	91.50%	+753 bps
Liquid Assets / Assets	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