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Valley Green Bank

Philadelphia, PA · Cert 58084

FDIC · 5 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 2026-10-11

Valley Green Bank

Philadelphia, PA · Cert 58084

FDIC · 5 branches

Q4 2014

$424.6MAssets
$386.1MLoans
$385.2MDeposits
$37.1MEquity
Loan mix
88%RE $285.5M12%C&I $38.9M0%Consumer $0.4MQ4 2013Q4 2014
Deposit mix
87%Interest-bearing $336.1M13%Noninterest $49.1MQ4 2013Q4 2014

NIM

5.06%Q4 ’125.01%Q4 ’134.98%Q4 ’14+1%0%

Non-interest income vs. expense

2.61%Q4 ’122.53%Q4 ’132.62%Q4 ’14-3%+7%

Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2014 SOD (annual) · 0.1% share · #54 of 137 inst. · $0.4B of $510.2B

Executive Summary

  • Earnings: ROA of 1.15%, down 28 bps year over year; NIM at 4.48%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.23%.
  • Funding: loans stand at 100.22% of deposits as of Q4 2014.

Financial Results

Return on Assets (YTD, annualized)

1.15%-28 bps YoY

Net Interest Margin (YTD, annualized)

4.48%-2 bps YoY

Efficiency Ratio (YTD, annualized)

56.66%+296 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 Assets1.43%1.55%1.40%1.33%1.15%-28 bps
Return on Equity15.79%17.49%15.76%15.11%13.11%-268 bps
Net Interest Margin4.50%4.95%4.79%4.62%4.48%-2 bps
Efficiency Ratio53.70%52.90%50.63%53.28%56.66%+296 bps
Non-Interest Burden2.32%2.54%2.35%2.39%2.48%+16 bps
Growth
Asset Growth (YoY)20.79%22.41%25.10%21.74%18.82%-197 bps
Loan Growth (YoY)30.27%26.11%24.30%20.20%19.38%-1,089 bps
Deposit Growth (YoY)20.81%23.33%26.27%21.84%18.54%-226 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.05%0.03%0.51%0.32%0.23%+18 bps
Allowance / Loans0.88%0.87%0.70%0.70%0.70%-18 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 Capital11.80%12.08%11.85%11.58%11.26%-53 bps
Equity / Assets8.74%8.98%8.97%8.59%8.74%0 bps
Liquidity & Funding
Loans / Deposits99.51%98.27%98.69%95.63%100.22%+71 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.01%+1 bps
CRE / Total Capitaln/an/an/an/an/an/an/a