Malvern, PA · Cert 58092
FDIC · 8 branches
Q2 2018
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2018 SOD (annual) · 0.1% share · #47 of 117 inst. · $0.3B of $486.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.37%1 | 0.52% | 0.54% | 0.53% | 0.49% | 0.21%1 | 0.51% | 0.53% | +1 bps | |
| Return on Equity | 4.29% | 6.45% | 6.76% | 6.52% | 6.04% | 2.53% | 6.24% | 6.50% | -2 bps | |
| Net Interest Margin | 3.24% | 3.27% | 3.19% | 3.21% | 3.16% | 3.15% | 3.16% | 3.22% | +1 bps | |
| Efficiency Ratio | 81.29% | 74.15% | 74.58% | 74.22% | 77.57% | 76.23% | 79.05% | 78.55% | +433 bps | |
| Non-Interest Burden | 2.61% | 2.39% | 2.34% | 2.36% | 2.43% | 2.37% | 2.46% | 2.50% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.45% | 9.37% | 17.76% | 19.84% | 6.99% | 2.05% | 2.02% | 3.36% | -1,648 bps | |
| Loan Growth (YoY) | 22.11% | 19.33% | 19.41% | 18.33% | 2.17% | 6.28% | 6.25% | 6.21% | -1,213 bps | |
| Deposit Growth (YoY) | 11.65% | 12.72% | 14.26% | 12.74% | 13.02% | 11.78% | 9.46% | 10.77% | -197 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.15% | 0.12% | 0.16% | 0.17% | 0.12% | 0.06% | -6 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.01% | 0.01% | 0.14% | 0.00% | 0.10% | 0.02% | 0.02% | -12 bps | |
| Allowance / Loans | 0.68% | 0.68% | 0.68% | 0.66% | 0.67% | 0.66% | 0.66% | 0.65% | -2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 4.7x | 5.5x | 4.3x | 3.8x | 5.7x | 11.4x | +5.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.18% | 7.87% | 7.92% | 8.04% | 8.10% | 8.08% | 8.09% | 8.14% | +10 bps | |
| Total Risk-Based Capital | 12.04% | 12.07% | 12.23% | 12.31% | 12.47% | 12.15% | 12.49% | 12.30% | -1 bps | |
| Equity / Assets | 8.22% | 7.94% | 8.03% | 8.12% | 8.17% | 8.22% | 8.22% | 8.17% | +5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 109.96% | 104.30% | 104.13% | 106.70% | 99.41% | 99.17% | 101.07% | 102.31% | -439 bps | |
| Liquid Assets / Assets | 7.11% | 3.52% | 9.66% | 7.49% | 6.99% | 3.50% | 7.09% | 8.10% | +61 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |