Philadelphia, PA · Cert 58171
FDIC · 4 branches
Q3 2016
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2016 SOD (annual) · 0.1% share · #55 of 128 inst. · $0.2B of $449.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.63% | 0.70% | 0.76% | 0.85% | 0.74% | 0.69% | 0.44% | -1.43% | -228 bps | |
| Return on Equity | 6.31% | 7.14% | 7.75% | 8.50% | 7.49% | 7.00% | 4.47% | -15.38% | -2,389 bps | |
| Net Interest Margin | 3.92% | 3.85% | 3.87% | 3.77% | 3.76% | 3.90% | 4.06% | 4.06% | +29 bps | |
| Efficiency Ratio | 74.36% | 70.77% | 67.36% | 64.32% | 66.81% | 67.04% | 69.76% | 176.30% | +11,198 bps | |
| Non-Interest Burden | 2.90% | 2.69% | 2.55% | 2.33% | 2.46% | 2.51% | 2.79% | 7.21% | +487 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.64% | 14.25% | 11.82% | 11.75% | 14.51% | 9.62% | 11.98% | 9.98% | -177 bps | |
| Loan Growth (YoY) | 18.53% | 17.11% | 12.06% | 12.45% | 12.56% | 13.40% | 19.96% | 15.97% | +353 bps | |
| Deposit Growth (YoY) | -2.13% | 10.09% | 7.53% | 5.71% | 14.50% | 8.93% | 7.38% | 4.49% | -122 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 | 0.05% | 0.08% | 0.00% | 0.00% | 0.00% | 0.09% | -0.01% | 1.51% | +151 bps | |
| Allowance / Loans | 1.23% | 1.22% | 1.25% | 1.24% | 1.22% | 1.23% | 1.25% | 0.90% | -34 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 | 9.92% | 9.99% | 10.09% | 10.00% | 9.97% | 9.86% | 8.74% | -135 bps | |
| Total Risk-Based Capital | 15.01% | 14.43% | 14.61% | 14.32% | 13.78% | 13.73% | 12.96% | 11.45% | -287 bps | |
| Equity / Assets | 9.95% | 9.79% | 9.93% | 10.09% | 9.78% | 9.94% | 9.78% | 8.75% | -134 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 122.76% | 120.22% | 119.90% | 123.87% | 120.67% | 125.15% | 133.95% | 137.49% | +1,362 bps | |
| Liquid Assets / Assets | 4.07% | 6.59% | 6.95% | 4.89% | 5.99% | 3.96% | 0.99% | 0.43% | -446 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |