Philadelphia, PA · Cert 58084
FDIC · 5 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.
Philadelphia, PA · Cert 58084
FDIC · 5 branches
Q4 2014
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2014 SOD (annual) · 0.1% share · #54 of 137 inst. · $0.4B 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 | 1.26% | 1.33% | 1.37% | 1.43% | 1.55% | 1.40% | 1.33% | 1.15% | -28 bps | |
| Return on Equity | 13.74% | 14.15% | 14.94% | 15.79% | 17.49% | 15.76% | 15.11% | 13.11% | -268 bps | |
| Net Interest Margin | 4.88% | 4.95% | 4.71% | 4.50% | 4.95% | 4.79% | 4.62% | 4.48% | -2 bps | |
| Efficiency Ratio | 55.70% | 55.01% | 53.61% | 53.70% | 52.90% | 50.63% | 53.28% | 56.66% | +296 bps | |
| Non-Interest Burden | 2.62% | 2.63% | 2.40% | 2.32% | 2.54% | 2.35% | 2.39% | 2.48% | +16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 25.51% | 23.68% | 23.81% | 20.79% | 22.41% | 25.10% | 21.74% | 18.82% | -197 bps | |
| Loan Growth (YoY) | 25.25% | 29.65% | 32.54% | 30.27% | 26.11% | 24.30% | 20.20% | 19.38% | -1,089 bps | |
| Deposit Growth (YoY) | 25.12% | 23.20% | 24.19% | 20.81% | 23.33% | 26.27% | 21.84% | 18.54% | -226 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 | 0.15% | 0.07% | 0.06% | 0.05% | 0.03% | 0.51% | 0.32% | 0.23% | +18 bps | |
| Allowance / Loans | 0.94% | 0.96% | 0.96% | 0.88% | 0.87% | 0.70% | 0.70% | 0.70% | -18 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 | 13.51% | 13.11% | 11.98% | 11.80% | 12.08% | 11.85% | 11.58% | 11.26% | -53 bps | |
| Equity / Assets | 9.73% | 9.70% | 8.62% | 8.74% | 8.98% | 8.97% | 8.59% | 8.74% | 0 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.11% | 100.26% | 96.93% | 99.51% | 98.27% | 98.69% | 95.63% | 100.22% | +71 bps | |
| Liquid Assets / Assets | 0.06% | 0.08% | 0.05% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |